# EDGAR Filing Document

**Accession Number:** 0000807641
**File Stem:** 0000929638-26-001714
**Filing Date:** 2026-5
**Character Count:** 1438016
**Document Hash:** 7c5577719231f229618003ba9cbf0316
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-001714.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0000929638-26-001714

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

**PUBLIC DOCUMENT COUNT**: 28

**CONFORMED PERIOD OF REPORT**: 20260501

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

**FILED AS OF DATE**: 20260501

**DATE AS OF CHANGE**: 20260501

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01949
- **FILM NUMBER:** 26932940

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<u> GS Mortgage-Backed Securities Trust 2026-PJ7 </u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

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

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

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

---

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

------

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

Dated: May 1, 2026

---

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

---

------

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

---

| | |
|:---|:---|
| 99.1 | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency Grades |
|  | Schedule 3 – Exception Grades |
|  | Schedule 4 – Valuation Summary |
|  | Schedule 5 – Supplemental Data |
|  | Schedule 6 – Data Compare Summary Report |
| 99.2 | Disclosures required by Rule 15Ga-2 for Clayton Services LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency ATR QM |
|  | Schedule 3 – Non ATR QM |
|  | Schedule 4 – Conditions Summary |
|  | Schedule 5 – Conditions Detail |
|  | Schedule 6 – Loan Grades |
|  | Schedule 7 – Valuation Summary |
|  | Schedule 8 – Loan Level Tape Compare |
|  | Schedule 9 – Waived Conditions |
| 99.3 | Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc. |
|  | Schedule 1 - Execution Summary |
|  | Schedule 2 - Exception Standard Report |
|  | Schedule 3 - GS Securitization Report |
|  | Schedule 4 - GS Supplemental Report |
|  | Schedule 5 - Data Compare Report |
|  | Schedule 6 - Valuation Report |

---

## Exhibit 99.1

![](amc_logo.gif)

------

#### EXECUTIVE SUMMARY

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

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

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

(2) Sample size of the assets reviewed.

The Review was conducted on one hundred eighty-four (184) mortgage loans with an aggregate original principal balance of approximately $223.542 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the portion of the securitization population reviewed by AMC.

(3) Determination of the sample size and computation.

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

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

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

---

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

---

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

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

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate

1 \| Page

------

![](amc_logo.gif)

------

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

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

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

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

**DU/LP Review:** When a DU/LP form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

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

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

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

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

2 \| Page

------

![](amc_logo.gif)

------

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

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

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

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

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

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

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

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

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

3 \| Page

------

![](amc_logo.gif)

------

product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

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

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

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

4 \| Page

------

![](amc_logo.gif)

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

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

<br> i) APR threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

5 \| Page

------

![](amc_logo.gif)

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

6 \| Page

------

![](amc_logo.gif)

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

7 \| Page

------

![](amc_logo.gif)

------

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 is reflected in the reports.

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

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

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

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

8 \| Page

------

![](amc_logo.gif)

------

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

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

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

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

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

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

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

9 \| Page

------

![](amc_logo.gif)

------

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

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

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

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

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

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

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

(9) Disclaimer.

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

10 \| Page

------

![](amc_logo.gif)

------

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

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

#### SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW
The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS") and Fitch Ratings, Inc. ("Fitch").

#### OVERALL REVIEW RESULTS SUMMARY
There were one hundred eighty-four (184) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS and Fitch NRSRO grading criteria one hundred twenty (120) (65.22%) had an Overall grade of "A", sixty-four (64) (34.78%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C" or "D".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade (DBRS and Fitch)** | **# of Loans** | **Percentage of Loans** |
| A | 120 | 65.22% |
| B | 64 | 34.78% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### CREDIT REVIEW RESULTS SUMMARY
One hundred fifty (150) (81.52%) mortgage loans of the total received an "A" Credit Review grade. The thirty-four (34) (18.48%) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

11 \| Page

------

![](amc_logo.gif)

------

---

| | | |
|:---|:---|:---|
| **NRSRO Grade (DBRS and Fitch)** | **# of Loans** | **Percentage of Loans** |
| A | 150 | 81.52% |
| B | 34 | 18.48% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### COMPLIANCE REVIEW RESULTS SUMMARY
Under the applicable DBRS and Fitch NRSRO grading criteria one hundred forty-five (145) (78.80%) had a Compliance Review grade of "A" and thirty-nine (39) (21.20%) had a Compliance Review grade of "B". Loans with a Compliance Review grade of "B" may have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of "B".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade (DBRS and Fitch)** | **# of Loans** | **Percentage of Loans** |
| A | 145 | 78.80% |
| B | 39 | 21.20% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### PROPERTY/VALUATION REVIEW RESULTS SUMMARY
Under the applicable DBRS and Fitch NRSRO grading criteria one hundred eighty-three (183) (99.46%) loans had a Property/Valuation grade of "A". One (1) (0.54%) of the loans generated a Property/Valuation grade of "B" due to the loan being originated with an appraisal waiver with a secondary value supporting value ; however, none are lower than a grade of "B."

---

| | | |
|:---|:---|:---|
| **NRSRO Grade (DBRS and Fitch)** | **# of Loans** | **Percentage of Loans** |
| A | 183 | 99.46% |
| B | 1 | 0.54% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### REVIEW EXCEPTION SUMMARY (184 Mortgage Loans)
The summaries below detail the exceptions from the Compliance, Credit and Property Reviews that would have resulted in a "B", "C", or "D" grade for a given mortgage loan under the DBRS and Fitch grading criteria. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **DBRS and Fitch Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | ECOA | 36 |
| Compliance | B | TRID Defect | 13 |
| Compliance | B | RESPA | 4 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 3 |
| Compliance | B | TRID | 1 |
| Compliance | B | Missing Non-Required Data | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***58*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **58** |

---

12 \| Page

------

![](amc_logo.gif)

------

---

| | | | |
|:---|:---|:---|:---|
| Credit | B | Title | 36 |
| Credit | B | Guideline | 2 |
| Credit | B | Borrower and Mortgage Eligibility | 1 |
| Credit | B | Loan Package Documentation | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***40*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **40** |
| Property | B | Appraisal Reconciliation | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***1*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **1** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **99** |

---

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the one hundred eighty-four (184) mortgage loans reviewed, four (4) of the mortgage loans had eight (8) tape discrepancies across five (5) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 4 | 0.00% | 184 |
| Amortization Type | 0 | 4 | 0.00% | 184 |
| Appraised Value | 1 | 4 | 25.00% | 184 |
| Balloon Flag | 0 | 180 | 0.00% | 184 |
| Borrower First Name | 0 | 180 | 0.00% | 184 |
| Borrower Last Name | 0 | 180 | 0.00% | 184 |
| Borrower SSN | 0 | 180 | 0.00% | 184 |
| City | 0 | 184 | 0.00% | 184 |
| Investor: Qualifying Total Debt Ratio | 0 | 184 | 0.00% | 184 |
| Lender | 0 | 180 | 0.00% | 184 |
| Maturity Date | 3 | 4 | 75.00% | 184 |
| Note Date | 2 | 4 | 50.00% | 184 |
| Occupancy | 0 | 184 | 0.00% | 184 |
| Original CLTV | 1 | 184 | 0.54% | 184 |
| Original Interest Rate | 0 | 183 | 0.00% | 184 |
| Original Loan Amount | 0 | 184 | 0.00% | 184 |
| Original LTV | 1 | 184 | 0.54% | 184 |
| Original Term | 0 | 4 | 0.00% | 184 |
| Originator Application Date | 0 | 3 | 0.00% | 184 |
| Originator Loan Designation | 0 | 180 | 0.00% | 184 |
| PITIA Reserves Months | 0 | 115 | 0.00% | 184 |
| Product Description | 0 | 180 | 0.00% | 184 |
| Property Type | 0 | 184 | 0.00% | 184 |
| Purpose | 0 | 184 | 0.00% | 184 |
| Refi Purpose | 0 | 21 | 0.00% | 184 |
| Representative FICO | 0 | 184 | 0.00% | 184 |
| State | 0 | 184 | 0.00% | 184 |

---

13 \| Page

------

![](amc_logo.gif)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| Street | 0 | 180 | 0.00% | 184 |
| Zip | 0 | 184 | 0.00% | 184 |
| **Total** | **8** | **3810** | **0.21%** | **184** |

---

#### ADDITIONAL LOAN POPULATION SUMMARY\*

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 184 | 100.00% | $223541508.00 | 100.00% |
| **Total** | **184** | **100.00%** | **$223541508.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 184 | 100.00% | $223541508.00 | 100.00% |
| **Total** | **184** | **100.00%** | **$223541508.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 22 | 11.96% | $24628605.00 | 11.02% |
| First Time Home Purchase | 10 | 5.43% | $10332450.00 | 4.62% |
| Other-than-first-time Home Purchase | 80 | 43.48% | $96592668.00 | 43.21% |
| Rate/Term Refinance - Borrower Initiated | 72 | 39.13% | $91987785.00 | 41.15% |
| **Total** | **184** | **100.00%** | **$223541508.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 184 | 100.00% | $223541508.00 | 100.00% |
| **Total** | **184** | **100.00%** | **$223541508.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 100 | 54.35% | $127233769.00 | 56.92% |
| Condo, Low Rise | 11 | 5.98% | $11127707.00 | 4.98% |
| Condo, High Rise | 6 | 3.26% | $6731100.00 | 3.01% |
| PUD | 64 | 34.78% | $75628332.00 | 33.83% |
| Townhouse | 1 | 0.54% | $249600.00 | 0.11% |
| 1 Family Attached | 2 | 1.09% | $2571000.00 | 1.15% |
| **Total** | **184** | **100.00%** | **$223541508.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 155 | 84.24% | $199296374.00 | 89.15% |
| Second Home | 29 | 15.76% | $24245134.00 | 10.85% |
| **Total** | **184** | **100.00%** | **$223541508.00** | **100.00%** |

---

14 \| Page

------

![](amc_logo.gif)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Safe Harbor QM (APOR) | 184 | 100.00% | $223541508.00 | 100.00% |
| **Total** | **184** | **100.00%** | **$223541508.00** | **100.00%** |

---

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

15 \| Page

## Exhibit 99.1

![](situs_logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 4/28/2026 6:17:34 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Deal Number** | **Original Loan Amount** |
| [redacted] | [redacted] | [redacted] | [redacted] | 39499158 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34430751 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 38428709 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35050520 |  | A<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 38565671 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 30755540 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 32258639 |  | B<br> C<br> D<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37182002 |  | A<br> C<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 37750448 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32348928 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 39793694 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34724169 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35593962 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35841750 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 32256507 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37814301 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33017813 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32716701 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 30254887 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31148229 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 33200938 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 35339501 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 39251121 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 31224991 |  | D<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36968908 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 39544813 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 36746138 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 31703991 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 39822753 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31479510 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36036679 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 30056425 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33597817 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33979114 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 38037626 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32038682 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32961181 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33327190 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 36207631 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 33942308 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31474611 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35839365 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34436093 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 38951630 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37991085 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32824366 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34153571 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 39166060 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30108742 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 30525651 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34417944 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33400611 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33644826 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33968847 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30359879 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37831621 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35859677 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31643918 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30269781 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 35568242 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30908922 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32184760 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 38544132 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32226846 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34865253 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 38499589 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36814448 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36934776 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35909064 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34908009 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36895961 |  | D<br> C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 30025968 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 35901533 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30111196 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35201704 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33434347 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35981181 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37441090 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30950456 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35578343 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35348329 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36822560 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36848755 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31903986 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 32987275 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 34192140 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 32812734 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37461526 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34763561 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34217769 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37000686 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 32008320 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 34227947 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 38899290 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 38224616 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 36840253 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 39985722 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 30268241 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30894344 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36942051 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34861168 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30593256 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32858907 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31443341 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36023919 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36317753 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 34198562 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 34275718 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31385896 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 38355455 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 30048212 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 35168894 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37721100 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34214139 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 |  | C<br> B<br> D<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33503785 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 37084477 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31726911 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36333742 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36307965 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 39490738 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35239159 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33222439 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31479980 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34710224 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 36218999 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31160469 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 33493129 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37379457 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35915184 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 |  | C<br> D<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 38746548 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30057498 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34231025 |  | A<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 34789974 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36171765 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33875681 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37819381 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35775879 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31752666 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34130137 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32150210 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35749612 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 31919002 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 39043627 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37146686 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 31128465 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35297483 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36103931 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 34018358 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32035610 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34385136 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37723259 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33247615 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32560701 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 30465404 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 39140743 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34506740 |  | A<br> B<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 39689678 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35128827 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 39029401 |  | D<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31730245 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 32488608 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31495099 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 31465330 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 37244721 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 32373612 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 37640264 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 39812523 |  | D<br> B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35369932 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30205471 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 30072149 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34707704 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34899032 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 34086380 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 30280639 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 39470550 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35227965 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 33416662 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 38596002 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 37021408 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 35047361 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 36061076 |  | C<br> A |

---

## Exhibit 99.1

![](situs_logo.jpg)

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 4/28/2026 6:17:34 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [redacted] | [redacted] | [redacted] | [redacted] | 39499158 | 33794511 |  | 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 $800.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $700.00 on LE but disclosed as $800.00 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 $100.00, 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 (2025-08-27): XXXXX<br>Reviewer Comment (2025-08-25): XXXXX | 08/27/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39499158 | 33812534 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Third party business verification source document is not dated and therefore cannot be confirmed to meet guides. |  |  |  | Reviewer Comment (2025-10-07): XXXXX | 10/07/2025 |  |  | 1<br> B<br> A<br> C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39499158 | 33812535 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Third party business verification source document is not dated and therefore cannot be confirmed to meet guides. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Reviewer Comment (2025-09-02): XXXXX<br>Seller Comment (2025-08-26): XXXXX | 09/05/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39499158 | 33812538 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | XXXXX statement reflects a large deposit of $250K that was unsourced or explained. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Reviewer Comment (2025-09-22): XXXXX<br>Seller Comment (2025-09-19): XXXXX<br>Reviewer Comment (2025-08-26): XXXXX<br>Seller Comment (2025-08-25): XXXXX | 09/29/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39499158 | 33812539 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third party business verification source document is not dated and therefore cannot be confirmed to meet guides. |  |  |  | Reviewer Comment (2025-08-25): XXXXX<br>Seller Comment (2025-08-24): XXXXX | 08/25/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39499158 | 33812542 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2025-10-07): XXXXX | 10/07/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34430751 | 34358156 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Reviewer Comment (2025-09-24): XXXXX<br>Reviewer Comment (2025-09-15): XXXXX |  | 10/08/2025 |  | 2<br> C<br> B |  | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34430751 | 34358157 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Reviewer Comment (2025-09-24): XXXXX |  | 10/08/2025 |  | 2<br> C<br> B |  | WA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35050520 | 34836826 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | CU score is 3.1 which is greater than 2.5. XXXXX is required and was not provided. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-12): XXXXX | 09/16/2025 |  |  | 1<br> D<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38565671 | 35638083 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 01/29/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38565671 | 35638085 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 130(b) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Seller Comment (2026-03-16): XXXXX<br>Reviewer Comment (2026-03-10): XXXXX<br>Seller Comment (2026-03-09): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-06): XXXXX |  | 03/17/2026 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30755540 | 35468339 |  | 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 $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-01-13): XXXXX |  | 01/13/2026 |  | 1<br> A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30755540 | 35468340 |  | 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 $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-01-13): XXXXX |  | 01/13/2026 |  | 1<br> A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30755540 | 35468341 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. |  |  |  | Reviewer Comment (2026-03-13): XXXXX<br>Seller Comment (2026-03-13): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>Seller Comment (2026-02-24): XXXXX<br>Seller Comment (2026-02-22): XXXXX<br>Reviewer Comment (2026-02-13): XXXXX<br>Seller Comment (2026-02-10): XXXXX<br>Reviewer Comment (2026-02-04): XXXXX<br>Seller Comment (2026-01-29): XXXXX<br>Reviewer Comment (2026-01-22): XXXXX<br>Seller Comment (2026-01-16): XXXXX |  | 03/13/2026 |  | 2<br> C<br> B |  | AZ | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32258639 | 35751144 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/10/2026 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32258639 | 35751146 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Seller Comment (2026-02-11): XXXXX | 02/11/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32258639 | 35751147 |  | 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. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-02-15): XXXXX<br>Seller Comment (2026-02-13): XXXXX | 02/15/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32258639 | 35751154 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2026-02-17): XXXXX<br>Seller Comment (2026-02-17): XXXXX | 02/17/2026 |  |  | 1<br> D<br> A |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32258639 | 35751157 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 02/10/2026 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32258639 | 35818976 |  | 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 $XXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for the fee added or refund cure is required to borrower. |  |  |  | Reviewer Comment (2026-04-07): XXXXX<br>Seller Comment (2026-04-06): XXXXX |  | 04/07/2026 |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37182002 | 35945020 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-09): XXXXX | 03/09/2026 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37182002 | 35945063 |  | 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 $XXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was disclosed as $0.00 on LE but disclosed as $XXX in 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 $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-23): XXXXX<br>Seller Comment (2026-03-23): XXXXX | 03/23/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37750448 | 35987471 |  | 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 $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-06): XXXXX |  | 03/06/2026 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32348928 | 36205409 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-04-07): XXXXX<br>Seller Comment (2026-04-06): XXXXX | 04/07/2026 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39793694 | 36045725 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXX Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-19): XXXXX | 03/19/2026 |  |  | 1<br> C<br> A |  | TX | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34724169 | 35905673 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Valuation report date was not provided. | - | Appraisal / Valuation Report Date is blank. |  |  |  | Reviewer Comment (2026-04-08): XXXXX<br>Seller Comment (2026-04-08): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-06): XXXXX<br>Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-03): XXXXX | 04/08/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35841750 | 35999671 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXX. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-04-06): XXXXX<br>Seller Comment (2026-04-06): XXXXX<br>Reviewer Comment (2026-04-01): XXXXX<br>Seller Comment (2026-03-31): XXXXX<br>Reviewer Comment (2026-03-16): XXXXX<br>Seller Comment (2026-03-16): XXXXX | 04/06/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35841750 | 35999730 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/11/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35841750 | 36001329 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CA Fair Plan start date XX/XX/XX is after the disbursement date XX/XX/XX. | 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.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-20): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-16): XXXXX |  |  | 03/20/2026 | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35841750 | 36074789 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/16/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32256507 | 36039199 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/13/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32256507 | 36039201 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account |  |  |  | Reviewer Comment (2026-04-06): XXXXX<br>Seller Comment (2026-04-06): XXXXX |  | 04/06/2026 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32256507 | 36066755 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The Title Commitment or Preliminary title policy amount is blank. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/13/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33017813 | 35973819 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/09/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32716701 | 36010633 |  | 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 $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $XXXon Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $XXX. |  |  |  | Reviewer Comment (2026-03-10): XXXXX |  | 03/10/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32716701 | 36010652 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-03-16): XXXXX<br>Seller Comment (2026-03-13): XXXXX | 03/16/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31148229 | 36045854 |  | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  | Reviewer Comment (2026-04-02): XXXXX<br>Seller Comment (2026-03-30): XXXXX | 04/02/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33200938 | 35984388 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/10/2026 | 2<br> B |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33200938 | 35984397 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The AUS Document is missing in the file. |  |  |  | Reviewer Comment (2026-03-27): XXXXX<br>Reviewer Comment (2026-03-19): XXXXX | 03/27/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33200938 | 35984402 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-20): XXXXX<br>Seller Comment (2026-03-19): XXXXX | 03/20/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39251121 | 35948458 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/04/2026 | 2<br> B |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39251121 | 35948460 |  | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2026-03-13): XXXXX<br>Seller Comment (2026-03-12): XXXXX | 03/13/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39251121 | 35948461 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed |  |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-09): XXXXX |  | 03/09/2026 |  | 2<br> C<br> B |  | IL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39251121 | 35948462 |  | 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 $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-03-02): XXXXX |  | 03/02/2026 |  | 1<br> A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39251121 | 35948466 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-09): XXXXX |  | 03/09/2026 |  | 2<br> C<br> B |  | IL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39251121 | 35948467 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-09): XXXXX |  | 03/09/2026 |  | 2<br> C<br> B |  | IL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31224991 | 36094102 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/19/2026 | 2<br> B |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31224991 | 36098030 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/19/2026 | 2<br> B |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31224991 | 36101100 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per guidelines loan amounts > $XXXXX: Two full appraisals are required. Loan amount is $XXXXX and only one appraisal was provided. |  |  |  | Reviewer Comment (2026-03-20): XXXXX<br>Seller Comment (2026-03-19): XXXXX | 03/20/2026 |  |  | 1<br> D<br> A |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31224991 | 36110393 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/20/2026 | 2<br> B |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36968908 | 35956920 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2026-03-20): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>Reviewer Comment (2026-03-11): XXXXX<br>Seller Comment (2026-03-10): XXXXX | 03/20/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39544813 | 36078948 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/19/2026 | 2<br> B |  | TN | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39544813 | 36078951 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-17): XXXXX |  | 03/17/2026 |  | 1<br> A |  | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36746138 | 35998122 |  | 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 $XXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of XXX. |  |  |  | Reviewer Comment (2026-03-16): XXXXX<br>Seller Comment (2026-03-12): XXXXX | 03/16/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36746138 | 36068103 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-16): XXXXX |  | 03/16/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31703991 | 35991300 |  | Credit | System | General | System | Borrower 1003 current address does not match Note address. | - |  |  |  |  | Reviewer Comment (2026-04-06): XXXXX<br>Seller Comment (2026-04-06): XXXXX<br>Reviewer Comment (2026-03-16): XXXXX<br>Seller Comment (2026-03-13): XXXXX | 04/06/2026 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36036679 | 36121078 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/26/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33597817 | 36116216 |  | 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 $XXX exceeds tolerance of $XXX Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-23): XXXXX |  | 03/23/2026 |  | 1<br> A |  | CO | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33597817 | 36116217 |  | 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 $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | HOA/Condo Questionnaire was last disclosed as $0.00 on LE but disclosed as $XXX on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-23): XXXXX |  | 03/23/2026 |  | 1<br> A |  | CO | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38037626 | 35945389 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/04/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38037626 | 35945521 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-06): XXXXX<br>Seller Comment (2026-03-05): XXXXX | 03/06/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38037626 | 35945522 |  | 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 $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $XXX due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-02): XXXXX |  | 03/02/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38037626 | 35945523 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00on LE but disclosed as $XXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-02): XXXXX |  | 03/02/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38037626 | 35945524 |  | 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 $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee was last disclosed as $0.00 on LE but disclosed as $200.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-02): XXXXX |  | 03/02/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38037626 | 35945525 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2026-04-07): XXXXX<br>Seller Comment (2026-04-07): XXXXX<br>Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-24): XXXXX<br>Reviewer Comment (2026-03-13): XXXXX<br>Seller Comment (2026-03-05): XXXXX | 04/07/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32038682 | 35990842 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/10/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32038682 | 35990844 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-03-18): XXXXX | 03/18/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32038682 | 36074263 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary title commitment does not have loan amount in it | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/16/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32038682 | 36074316 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title Policy Amount is missing in Title Preliminary document. |  |  |  | Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-18): XXXXX | 03/18/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33327190 | 36089349 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/20/2026 | 2<br> B |  | VA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36207631 | 36115801 |  | 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 $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. | Lender Credits Fee was last disclosed as -$XXX on LE but disclosed as XXX 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 $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-26): XXXXX | 03/27/2026 |  |  | 1<br> C<br> A |  | MI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36207631 | 36115802 |  | 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 $XXX0 exceeds tolerance of $XXX0. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX 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 $50.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-26): XXXXX | 03/27/2026 |  |  | 1<br> C<br> A |  | MI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36207631 | 36117183 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The file was missing a copy of the 442. |  |  |  | Reviewer Comment (2026-03-30): XXXXX<br>Seller Comment (2026-03-27): XXXXX | 03/30/2026 |  |  | 1<br> C<br> A |  | MI | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36207631 | 36181410 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure provided at Closing. |  |  |  | Reviewer Comment (2026-03-30): XXXXX |  | 03/30/2026 |  | 1<br> A |  | MI | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35839365 | 35919055 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/27/2026 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35839365 | 35920759 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 02/27/2026 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38951630 | 36071867 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-23): XXXXX | 03/27/2026 |  |  | 1<br> B<br> A<br> C |  | OR | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38951630 | 36071868 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | File is missing the XXXXX 1065 partnership returns. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-23): XXXXX | 03/26/2026 |  |  | 1<br> C<br> A |  | OR | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38951630 | 36071889 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/18/2026 | 2<br> B |  | OR | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37991085 | 36066432 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ |  | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/16/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32824366 | 36204958 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 04/03/2026 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34153571 | 36062589 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-18): XXXXX | 03/18/2026 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30108742 | 35944203 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Reviewer Comment (2026-03-06): XXXXX |  |  | 03/11/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30525651 | 35965568 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/06/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30525651 | 35965570 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-04): XXXXX |  | 03/04/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30525651 | 35965580 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation confirming the condo project is warrantable. |  |  |  | Reviewer Comment (2026-03-12): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-09): XXXXX | 03/12/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34417944 | 36073121 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/18/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33400611 | 36072849 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The file was missing a copy of the final title policy. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/18/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30359879 | 35872635 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 02/25/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30359879 | 35872763 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/25/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30359879 | 35872765 |  | 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 $XXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2026-02-27): XXXXX | 02/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30359879 | 35872766 |  | 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 $XXX exceeds tolerance of $XXX. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. $XXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-02-27): XXXXX<br>Reviewer Comment (2026-02-27): XXXXX<br>Seller Comment (2026-02-26): XXXXX | 03/03/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30359879 | 35933866 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-02-27): XXXXX |  | 02/27/2026 |  | 1<br> A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30269781 | 36014315 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/12/2026 | 2<br> B |  | CO | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30908922 | 36143762 |  | 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 XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-25): XXXXX |  | 03/25/2026 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30908922 | 36143763 |  | 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 $XXX exceeds tolerance of $XXX Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-25): XXXXX |  | 03/25/2026 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34865253 | 36106040 |  | 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 $XXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was not disclosed on LE, but disclosed as $XXX 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 $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-25): XXXXX | 03/26/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36814448 | 36052968 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The Title Commitment or Preliminary title policy amount is blank | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX<br>Reviewer Comment (2026-03-13): XXXXX |  |  | 03/13/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36934776 | 36057513 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $XXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-13): XXXXX |  | 03/13/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36934776 | 36064111 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ |  | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/17/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35909064 | 35968049 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/06/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35909064 | 35968052 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/06/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35909064 | 35968053 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/06/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34908009 | 35996744 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/11/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36895961 | 36117341 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Loan is to be securitized. Appraisal is missing. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX | 03/26/2026 |  |  | 1<br> D<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36895961 | 36117345 |  | 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. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX | 03/26/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36895961 | 36117347 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per guidelines 2 full appraisals are required for loan amounts > $XXXXX. No appraisals were provided in file. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX | 03/26/2026 |  |  | 1<br> D<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36895961 | 36117357 |  | 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 ofXXX exceeds tolerance ofX XX over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $XXX on LE but disclosed as $XXX 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 $,XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-26): XXXXX | 03/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36895961 | 36156165 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Retrieving data. Wait a few seconds and try to cut or copy again. |  |  |  |  |  |  | 03/26/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36895961 | 36156166 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Retrieving data. Wait a few seconds and try to cut or copy again. |  |  |  |  |  |  | 03/26/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30025968 | 36015233 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/12/2026 | 2<br> B |  | MT | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30111196 | 36048112 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX |  |  |  | Reviewer Comment (2026-04-02): XXXXX<br>Seller Comment (2026-04-02): XXXXX<br>Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-27): XXXXX | 04/02/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33434347 | 36168164 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/31/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33434347 | 36169002 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/31/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35981181 | 36057420 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $411.70. |  |  |  | Reviewer Comment (2026-03-13): XXXXX |  | 03/13/2026 |  | 1<br> A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35981181 | 36057421 |  | 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 $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax. Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $411.70. |  |  |  | Reviewer Comment (2026-03-13): XXXXX |  | 03/13/2026 |  | 1<br> A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37441090 | 35973671 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/09/2026 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35348329 | 36048582 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $00.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. But cure provided |  |  |  | Reviewer Comment (2026-03-12): XXXXX |  | 03/12/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36822560 | 35965244 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Insurance Verification not provided |  |  |  | Reviewer Comment (2026-04-01): XXXXX<br>Seller Comment (2026-04-01): XXXXX<br>Reviewer Comment (2026-03-12): XXXXX<br>Seller Comment (2026-03-11): XXXXX | 04/01/2026 |  |  | 1<br> C<br> A |  | ID | Second Home | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36822560 | 35965257 |  | 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 $85.00 exceeds tolerance of $64.00 plus 10% or $70.40. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-04): XXXXX |  | 03/04/2026 |  | 1<br> A |  | ID | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36848755 | 35997742 |  | 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 XXX exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $92.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-16): XXXXX<br>Seller Comment (2026-03-12): XXXXX | 03/16/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36848755 | 35997743 |  | 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 Courier / Express Mail / Messenger Fee. Fee Amount of $XXX exceeds tolerance of XXX over legal limit. Insufficient or no cure was provided to the borrower. | Courier / Express Mail / Messenger Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-16): XXXXX<br>Seller Comment (2026-03-12): XXXXX | 03/16/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36848755 | 35997750 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/11/2026 | 2<br> B |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36848755 | 36068964 |  | 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 Courier / Express Mail / Messenger Fee. Fee Amount of XXX exceeds tolerance of $XXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-16): XXXXX |  | 03/16/2026 |  | 1<br> A |  | NV | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36848755 | 36070974 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ |  | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/16/2026 | 2<br> B |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31903986 | 36081632 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-25): XXXXX<br>Seller Comment (2026-03-20): XXXXX | 03/25/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31903986 | 36081633 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Unable to verify Sole Proprietorship income using reasonably reliable third-party records. Signed/dated XXXXX 1040s were not provided (1040s received but not signed). |  |  |  | Reviewer Comment (2026-03-25): XXXXX<br>Seller Comment (2026-03-24): XXXXX | 03/25/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32987275 | 36115720 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/25/2026 | 2<br> B |  | AZ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34192140 | 36082350 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank XXXXX): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The file was missing proof the disclosure was provided to the borrower(s) within 3 days of the application date. |  |  |  |  |  |  | 03/19/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34217769 | 35965726 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification for REO property "XXXXX" is missing |  |  |  | Reviewer Comment (2026-03-12): XXXXX<br>Seller Comment (2026-03-11): XXXXX | 03/12/2026 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34217769 | 35965728 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification for REO property "XXXXX" is missing |  |  |  | Reviewer Comment (2026-03-12): XXXXX<br>Seller Comment (2026-03-11): XXXXX | 03/12/2026 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34217769 | 35965733 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification for REO property "XXXXX" is missing |  |  |  | Reviewer Comment (2026-03-12): XXXXX<br>Seller Comment (2026-03-11): XXXXX | 03/12/2026 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34217769 | 35965756 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,714.18. Insufficient or no cure was provided to the borrower. | A valid COC for the fee increase was not provided. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-09): XXXXX | 03/09/2026 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34217769 | 35965758 |  | 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 $2,006.40 exceeds tolerance of $0.00. $2,006.40 over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for the fee increase was not provided. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-09): XXXXX | 03/09/2026 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37000686 | 36167183 |  | 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 $860.00 exceeds tolerance of $610.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $610.00 on LE but disclosed as $860.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $250.00 |  |  |  | Reviewer Comment (2026-03-27): XXXXX |  | 03/27/2026 |  | 1<br> A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37000686 | 36167624 |  | 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 XXX exceeds tolerance of XXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as XXX on LE but disclosed as $XXX 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 includeXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-04-02): XXXXX<br>Seller Comment (2026-04-01): XXXXX | 04/02/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37000686 | 36196485 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/31/2026 | 2<br> B |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32008320 | 35968305 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 03/06/2026 | 2<br> B |  | AZ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34227947 | 36152617 |  | 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 XXX exceeds tolerance of XXX Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXX exceeds tolerance of XXX Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-26): XXXXX |  | 03/26/2026 |  | 1<br> A |  | CA | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34227947 | 36170091 |  | Credit | Missing Document | General | Missing Document | Missing Document: Buydown Agreement not provided |  | Temporary Buydown Agreement was not provided. |  |  |  | Reviewer Comment (2026-04-02): XXXXX<br>Seller Comment (2026-03-31): XXXXX | 04/02/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38899290 | 36124372 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/26/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38899290 | 36128325 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2026-04-03): XXXXX<br>Seller Comment (2026-04-01): XXXXX<br>Reviewer Comment (2026-03-31): XXXXX<br>Seller Comment (2026-03-27): XXXXX | 04/03/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38224616 | 36142782 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-31): XXXXX<br>Seller Comment (2026-03-30): XXXXX | 03/31/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38224616 | 36142783 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2026-04-02): XXXXX<br>Seller Comment (2026-03-30): XXXXX | 04/02/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36840253 | 36000810 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification revised appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/11/2026 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39985722 | 36072547 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-22): XXXXX<br>Seller Comment (2026-03-19): XXXXX | 03/22/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39985722 | 36072549 |  | 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 $XXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $XXX on LE but disclosed as $XXX 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 $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-22): XXXXX<br>Seller Comment (2026-03-19): XXXXX | 03/22/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39985722 | 36072550 |  | 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 XXXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-22): XXXXX<br>Seller Comment (2026-03-19): XXXXX | 03/22/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39985722 | 36072551 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-22): XXXXX<br>Seller Comment (2026-03-19): XXXXX | 03/22/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39985722 | 36112690 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-22): XXXXX |  | 03/22/2026 |  | 1<br> A |  | UT | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30268241 | 36116316 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/25/2026 | 2<br> B |  | TX | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36942051 | 36145796 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/27/2026 | 2<br> B |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36942051 | 36146389 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | Correct amount is provided in Escrow Instructions, please override. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/27/2026 | 2<br> B |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34861168 | 35998816 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The file was missing a copy of the final title policy. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/11/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34861168 | 35998882 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-13): XXXXX<br>Seller Comment (2026-03-12): XXXXX | 03/13/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34861168 | 36055305 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ |  | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX<br>Reviewer Comment (2026-03-13): XXXXX |  |  | 03/13/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31443341 | 36058139 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2026-03-20): XXXXX<br>Seller Comment (2026-03-19): XXXXX | 03/20/2026 |  |  | 1<br> C<br> A |  | HI | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31443341 | 36058172 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-03-20): XXXXX<br>Seller Comment (2026-03-19): XXXXX<br>Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-18): XXXXX | 03/20/2026 |  |  | 1<br> C<br> A |  | HI | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36317753 | 36069381 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-20): XXXXX<br>Seller Comment (2026-03-19): XXXXX | 03/20/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Refinance - Cash-out - Other | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34198562 | 36036468 |  | 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 $-XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was last disclosed as -$XXX on LE but disclosed as -$XXX 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 $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-20): XXXXX<br>Seller Comment (2026-03-19): XXXXX |  | 03/20/2026 |  | 2<br> C<br> B |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34198562 | 36036469 |  | 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 $XXX exceeds tolerance of $XXX $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $XXX on LE but disclosed as $XXX 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 $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-20): XXXXX<br>Seller Comment (2026-03-19): XXXXX |  | 03/20/2026 |  | 2<br> C<br> B |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34198562 | 36036570 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $249,100.00 Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Seller Comment (2026-03-16): XXXXX | 03/17/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34198562 | 36037182 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the Insurance and tax verification for this property located XXXXX. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Seller Comment (2026-03-16): XXXXX | 03/17/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34198562 | 36037186 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the Insurance and tax verification for this property located XXXXX. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Seller Comment (2026-03-16): XXXXX | 03/17/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34275718 | 36098939 |  | 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 XXX exceeds tolerance ofXXX Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-19): XXXXX |  | 03/19/2026 |  | 1<br> A |  | VA | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38355455 | 36145218 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file |  |  |  | Reviewer Comment (2026-04-03): XXXXX<br>Seller Comment (2026-04-02): XXXXX | 04/03/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30048212 | 35963888 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Secondary appraisal(s) does not support the value used to qualify. The lower value was not checked "Use for LTV". Correct data entry or set exception. Sec ID: 3 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2026-03-27): XXXXX | 03/27/2026 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30048212 | 36168818 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of ___ exceeds Guideline high loan to value percentage of ___ | Calculated high loan to value percentage of XXX% exceeds Guideline high loan to value percentage of 80.00000% | 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.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-27): XXXXX |  |  | 03/27/2026 | 2<br> B |  | WA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30048212 | 36168819 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of XXX% exceeds Guideline combined loan to value percentage of 80.00000%. | 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.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-27): XXXXX |  |  | 03/27/2026 | 2<br> B |  | WA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35168894 | 36087092 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/19/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37721100 | 36086898 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2026-03-25): XXXXX<br>Seller Comment (2026-03-24): XXXXX | 03/25/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37721100 | 36086903 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-03-25): XXXXX<br>Seller Comment (2026-03-24): XXXXX | 03/25/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34214139 | 36098783 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/23/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 | 35921639 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2026-03-10): XXXXX<br>Seller Comment (2026-03-10): XXXXX | 03/10/2026 |  |  | 1<br> D<br> A |  | OH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 | 35921665 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/27/2026 | 2<br> B |  | OH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 | 35921666 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/27/2026 | 2<br> B |  | OH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 | 35921673 |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $XXXXX. |  | The loan was approved and delivered as a Rate/Term refinance. The borrower received cash-out exceeding the lesser of 2% of the loan amount or $2,000.00. |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX | 03/04/2026 |  |  | 1<br> C<br> A |  | OH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 | 35921674 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of note date |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX | 03/03/2026 |  |  | 1<br> C<br> A |  | OH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 | 35921675 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of note date |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX | 03/03/2026 |  |  | 1<br> C<br> A |  | OH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 | 35921676 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of note date |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX | 03/03/2026 |  |  | 1<br> C<br> A |  | OH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 | 35921677 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of note date |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX | 03/03/2026 |  |  | 1<br> C<br> A |  | OH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33503785 | 36045962 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/16/2026 | 2<br> B |  | NJ | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33503785 | 36045963 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/16/2026 | 2<br> B |  | NJ | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33503785 | 36045966 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Tax Service Fee (Life Of Loan) was last disclosed as XXX on LE but disclosed as XXX 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 $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-18): XXXXX | 03/19/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31726911 | 36083137 |  | 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 $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXXplus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-17): XXXXX |  | 03/17/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36333742 | 36146119 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2026-03-25): XXXXX |  | 03/25/2026 |  | 1<br> A |  | UT | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35239159 | 36071339 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2026-03-25): XXXXX<br>Seller Comment (2026-03-24): XXXXX<br>Reviewer Comment (2026-03-23): XXXXX<br>Seller Comment (2026-03-23): XXXXX | 03/25/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34710224 | 36115180 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/25/2026 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34710224 | 36115182 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The file is missing a copy of Initial Escrow Account Disclosure Document. |  |  |  | Reviewer Comment (2026-04-01): XXXXX<br>Seller Comment (2026-03-31): XXXXX |  |  | 04/01/2026 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36218999 | 36157424 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-26): XXXXX |  | 03/26/2026 |  | 1<br> A |  | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31160469 | 36105373 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. | Lender Credits Fee was last disclosed as $XXX on LE but disclosed as $0.00 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 $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-25): XXXXX | 03/26/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31160469 | 36105374 |  | 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 $XXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $0.00 on LE but disclosed as $XXX 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 $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-25): XXXXX | 03/26/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31160469 | 36105375 |  | 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 $XXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $XXX 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 $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-04-08): XXXXX<br>Seller Comment (2026-04-07): XXXXX<br>Reviewer Comment (2026-04-07): XXXXX<br>Seller Comment (2026-04-03): XXXXX<br>Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-25): XXXXX | 04/08/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31160469 | 36109575 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. |  |  |  |  |  |  | 03/24/2026 | 2<br> B |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31160469 | 36109580 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing evidence of the Rate set date |  |  |  | Reviewer Comment (2026-03-25): XXXXX<br>Seller Comment (2026-03-25): XXXXX | 03/25/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37379457 | 36199091 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $1XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount ofXXX. |  |  |  | Reviewer Comment (2026-04-01): XXXXX |  | 04/01/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37379457 | 36199095 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 04/03/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35915184 | 36087876 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-24): XXXXX<br>Seller Comment (2026-03-23): XXXXX | 03/24/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 | 36145592 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. |  |  |  | Reviewer Comment (2026-04-01): XXXXX<br>Seller Comment (2026-04-01): XXXXX | 04/01/2026 |  |  | 1<br> D<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 | 36145709 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Copy of Flood Certificate is missing. |  |  |  | Reviewer Comment (2026-04-01): XXXXX<br>Seller Comment (2026-04-01): XXXXX | 04/01/2026 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 | 36145711 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Copy of Hazard Insurance Policy is missing. |  |  |  | Reviewer Comment (2026-04-01): XXXXX<br>Seller Comment (2026-04-01): XXXXX | 04/01/2026 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 | 36145737 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. |  |  |  |  |  |  | 03/27/2026 | 2<br> B |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 | 36145738 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-30): XXXXX<br>Seller Comment (2026-03-30): XXXXX | 03/30/2026 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 | 36145741 |  | 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 $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $XXX due to increase of fees. No valid COC provided, Sufficient or Excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2026-03-25): XXXXX |  | 03/25/2026 |  | 1<br> A |  | AZ | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 | 36145742 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | Loan discount points fee was last disclosed as $XXX on LE but disclosed as $XXX in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2026-03-25): XXXXX |  | 03/25/2026 |  | 1<br> A |  | AZ | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30057498 | 36095960 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency - Temporary Buydown | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XX disclosed a First Change frequency that does not match the actual first change frequency for the loan. Lender disclosed considering first year of temporary buydown period as an introductory rate as opposed to a loan without an introductory rate. Regulation references the "introductory period" but does not define what would be considered the introductory period for purposes of a step rate loan, particularly a buydown considered a step rate. Exception cited as a non-material EV2-B for visibility due to method of disclosure used. | Adjustable-Interest Rate Table: Final Closing Disclosure provided on XX/XX/XX disclosed a First Change frequency that does not match the actual first change frequency for the loan. Lender disclosed considering first year of temporary buydown period as an introductory rate as opposed to a loan without an introductory rate. Regulation references the "introductory period" but does not define what would be considered the introductory period for purposes of a step rate loan, particularly a buydown considered a step rate. Exception cited as a non-material EV2-B for visibility due to method of disclosure used |  |  |  | Reviewer Comment (2026-03-25): XXXXX |  |  | 03/25/2026 | 2<br> B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30057498 | 36095961 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate - Temporary Buydown | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. Lender disclosed considering first year of temporary buydown period as an introductory rate as opposed to a loan without an introductory rate. Regulation references the "introductory period" but does not define what would be considered the introductory period for purposes of a step rate loan, particularly a buydown considered a step rate. Exception cited as a non-material EV2-B for visibility due to method of disclosure used. | Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. Lender disclosed considering first year of temporary buydown period as an introductory rate as opposed to a loan without an introductory rate. Regulation references the "introductory period" but does not define what would be considered the introductory period for purposes of a step rate loan, particularly a buydown considered a step rate. Exception cited as a non-material EV2-B for visibility due to method of disclosure used. |  |  |  | Reviewer Comment (2026-03-25): XXXXX |  |  | 03/25/2026 | 2<br> B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30057498 | 36095972 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/23/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30057498 | 36101415 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Product Description (Buydown Alternate Disclosure Method) | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XX disclosed a Product | Calculated Product 0/1 Step Rate does not match the Final Closing Disclosure 1/1 Step Rate. |  |  |  | Reviewer Comment (2026-03-25): XXXXX |  |  | 03/25/2026 | 2<br> B |  | CA | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34231025 | 36092080 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The Note Document is missing in the file. |  |  |  | Reviewer Comment (2026-03-31): XXXXX | 03/31/2026 |  |  | 1<br> D<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36171765 | 36203483 |  | 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 XXX exceeds tolerance of $XXX Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee was disclosed as XXX on LE but disclosed as $895.00 in 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 $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-04-01): XXXXX |  | 04/01/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37819381 | 35991598 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/10/2026 | 2<br> B |  | GA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37819381 | 35991634 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Payoff Statement Fee. Fee Amount of XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Title - Payoff Statement Fee was last disclosed as $0.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-03-06): XXXXX |  | 03/06/2026 |  | 1<br> A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35749612 | 36079810 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/19/2026 | 2<br> B |  | CT | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39043627 | 36122394 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does contain a valid COC for this fee, and evidence of cure in file in the amount oXXX |  |  |  | Reviewer Comment (2026-03-24): XXXXX |  | 03/24/2026 |  | 1<br> A |  | AZ | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37146686 | 36108511 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Testing inconclusive. The rescission period starts when the latest of three things occurs: (1) RTC signed; (2) consummation OR (3) borrower receipt of accurate material disclosures. Executed Final CD was not provided, we are unable to determine date Final CD was received by borrower. Lender to provide executed Final CD or verification of date received. |  |  |  | Reviewer Comment (2026-04-08): XXXXX<br>Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-25): XXXXX |  | 04/08/2026 |  | 2<br> C<br> B |  | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37146686 | 36108512 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC disclosed incorrect transaction and/or expiration date. |  |  |  | Reviewer Comment (2026-04-08): XXXXX<br>Seller Comment (2026-04-06): XXXXX<br>Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-25): XXXXX |  | 04/08/2026 |  | 2<br> C<br> B |  | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37146686 | 36139585 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | XXXXX schedule K1 for XXXXX in XXXXX was missing from loan file. |  |  |  | Reviewer Comment (2026-04-06): XXXXX<br>Seller Comment (2026-04-06): XXXXX<br>Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-26): XXXXX | 04/06/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37146686 | 36139619 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. One all items are addressed; exception will be updated. |  |  |  | Reviewer Comment (2026-04-06): XXXXX<br>Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-25): XXXXX | 04/06/2026 |  |  | 1<br> B<br> A<br> C |  | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37146686 | 36139620 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2026-04-06): XXXXX<br>Seller Comment (2026-04-06): XXXXX<br>Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-26): XXXXX | 04/06/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35297483 | 36204787 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-01): XXXXX |  | 04/01/2026 |  | 1<br> A |  | NC | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35297483 | 36204805 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Rider - PUD missing from the file. |  |  |  | Reviewer Comment (2026-04-08): XXXXX<br>Seller Comment (2026-04-08): XXXXX | 04/08/2026 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36103931 | 36126947 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification revised appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/26/2026 | 2<br> B |  | UT | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34018358 | 36165840 |  | 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 $545.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $545.00 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-27): XXXXX |  | 03/27/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32035610 | 36169239 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per guidelines loan amounts > $XXXXX require a 2nd appraisal. Loan amount is $XXXXX and only one appraisal was provided. |  |  |  | Reviewer Comment (2026-03-31): XXXXX<br>Seller Comment (2026-03-31): XXXXX | 03/31/2026 |  |  | 1<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34385136 | 36105497 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-25): XXXXX | 03/26/2026 |  |  | 1<br> C<br> A |  | HI | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34385136 | 36105505 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX |  |  | 03/24/2026 | 2<br> B |  | HI | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37723259 | 36139460 |  | 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 $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-24): XXXXX |  | 03/24/2026 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32560701 | 36057370 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXX exceeds tolerance of XXX plus 10% or $XXX. $XXXover legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $XXX due to increase of Title fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-25): XXXXX<br>Seller Comment (2026-03-23): XXXXX |  | 03/25/2026 |  | 2<br> C<br> B |  | AZ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34506740 | 36103605 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/24/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34506740 | 36103621 |  | 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 $XXX exceeds tolerance of XXX. Sufficient or excess cure was provided to the borrower at Closing. | Credit report Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure.File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $XXX. |  |  |  | Reviewer Comment (2026-03-20): XXXXX |  | 03/20/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34506740 | 36103644 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of Appraisal required for securitization purposes. |  |  |  | Reviewer Comment (2026-03-31): XXXXX<br>Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-26): XXXXX | 03/31/2026 |  |  | 1<br> D<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34506740 | 36171163 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | An Appraisal Form XXXXX (Exterior-Only Inspection) has been provided in the file for the secondary valuation. |  |  |  | Reviewer Comment (2026-03-31): XXXXX |  |  | 03/31/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35128827 | 36325342 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2026-03-18): XXXXX<br>Reviewer Comment (2026-03-17): XXXXX<br>Buyer Comment (2026-03-16): XXXXX |  |  | 03/18/2026 | 2<br> B |  | MI | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35128827 | 36325343 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Deposit amount on Initial escrow account statement of $XXX does not match sum of escrow charges on Final Closing Disclosure i.e. $XXX. Taxes per first payment letter/1008/CD/1003 etc. $XXXXX however per the tax certificate in file $XXXXX |  |  |  | Buyer Comment (2026-03-18): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Buyer Comment (2026-03-16): XXXXX |  |  | 03/18/2026 | 2<br> B |  | MI | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35128827 | 36325344 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Taxes: Subject property taxes not documented |  | Taxes per first payment letter/1008/CD/1003 etc. $XXXXX however per the tax certificate in file $XXXXX. |  |  |  | Reviewer Comment (2026-03-18): XXXXX<br>Buyer Comment (2026-03-16): XXXXX | 03/18/2026 |  |  | 1<br> C<br> A |  | MI | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39029401 | 36325345 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | As per guide, (CDA) from XXXXX or an Appraisal Risk Review (AAR) from XXXXX) for each DU loan with a LPA loan with a Loan Collateral Advisor (LCA) score greater than 2.5 or no score. |  |  |  | Reviewer Comment (2026-03-25): XXXXX<br>Buyer Comment (2026-03-24): XXXXX<br>Reviewer Comment (2026-03-23): XXXXX<br>Buyer Comment (2026-03-19): XXXXX | 03/25/2026 |  |  | 1<br> D<br> A |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39029401 | 36325347 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Buyer and seller signed Purchase Agreement / Sales Contract for the property "XXXXX" is missing in file. |  |  |  | Reviewer Comment (2026-03-23): XXXXX<br>Buyer Comment (2026-03-19): XXXXX | 03/23/2026 |  |  | 1<br> D<br> A |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39029401 | 36325349 |  | 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 $XXX exceeds tolerance of XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-17): XXXXX |  | 03/17/2026 |  | 1<br> A |  | NV | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39029401 | 36325350 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-17): XXXXX |  | 03/17/2026 |  | 1<br> A |  | NV | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31730245 | 36325354 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Require Fraud Report as it is missing in file. |  |  |  | Reviewer Comment (2026-03-23): XXXXX<br>Buyer Comment (2026-03-20): XXXXX | 03/23/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32488608 | 36325359 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. Provide PPCD reflecting disbursement on or after XX/XX/XX |  |  |  | Reviewer Comment (2026-03-27): XXXXX<br>Buyer Comment (2026-03-25): XXXXX | 03/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325360 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1084 or income worksheet for borrower (XXXXX) is missing in file. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Buyer Comment (2026-02-27): XXXXX | 02/27/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325361 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Executed Final 1003 for both borrowers is missing in file. |  |  |  | Reviewer Comment (2026-03-10): XXXXX<br>Buyer Comment (2026-03-06): XXXXX<br>Reviewer Comment (2026-03-04): XXXXX<br>Buyer Comment (2026-03-03): XXXXX<br>Reviewer Comment (2026-03-02): XXXXX<br>Buyer Comment (2026-03-02): XXXXX<br>Reviewer Comment (2026-02-27): XXXXX<br>Buyer Comment (2026-02-27): XXXXX<br>Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-26): XXXXX | 03/10/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325362 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided |  | Missing income worksheet. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-26): XXXXX | 02/27/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325363 |  | 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 to confirm initial rate lock date is missing in file |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX | 02/26/2026 |  |  | 1<br> B<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325365 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Bonus income for borrower (XXX) for year XXXXX and XXXXX is used for qualification, therefore tax transcripts/W-2 Wage income transcripts for year XXXXX and XXXXX are required. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Buyer Comment (2026-03-18): XXXXX | 03/19/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325366 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Missing transcripts for income years documented. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Buyer Comment (2026-03-18): XXXXX | 03/19/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325367 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Buyer Comment (2026-03-18): XXXXX | 03/19/2026 |  |  | 1<br> B<br> A<br> C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325368 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | QM failure due to insufficient Income documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Buyer Comment (2026-03-18): XXXXX | 03/19/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325369 |  | 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. |  |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX | 02/26/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325370 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Earliest application date in file is XX/XX/XX |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX | 02/26/2026 |  |  | 1<br> B<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325371 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank XXXXX): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Earliest application date in file is XX/XX/XX |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX | 02/26/2026 |  |  | 1<br> B<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | 36325372 |  | 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 $840.00 exceeds tolerance of $640.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-02-26): XXXXX |  | 02/26/2026 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31495099 | 36325374 |  | 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 XXX exceeds tolerance of XXX. Sufficient or excess cure was provided to the borrower at Closing. | EV1 |  |  |  | Reviewer Comment (2026-03-19): XXXXX |  | 03/19/2026 |  | 1<br> A |  | NJ | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31495099 | 36325375 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___<br> ___<br> ___<br> ___ | Free & Clear document is missing in file for REO properties XXXXX; XXXXX; XXXXX; XXXXX and XXXXX. |  |  |  | Reviewer Comment (2026-03-24): XXXXX | 03/24/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31495099 | 36325376 |  | Credit | Guideline | Guideline Issue | Guideline | Debt to Income Ratio (DTI) <= 3% |  | Per AUS DTI is 49.18% and calculated DTI is 43.64% due to REOs in which taxes, insurance and interest expenses were included on XXXXX, XXXXX, XXXXX, XXXXX and XXXXX. Therefore negative rental income of $XXX vs AUS of XXX |  |  |  | Reviewer Comment (2026-03-24): XXXXX | 03/24/2026 |  |  | 1<br> B<br> A |  | NJ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31495099 | 36325377 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Transcripts (1040) provided for year XXXXX, require XXXXX transcripts for bonus income used. |  |  |  | Reviewer Comment (2026-03-27): XXXXX<br>Buyer Comment (2026-03-26): XXXXX | 03/27/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31465330 | 36326091 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | Unapproved Lender Exception: Leasehold property in XXXXX. This is typical for the area as more than 4000 acres in XXXXX have this leasehold.<br> Compensating factors: J5 program, 80% ltv, all assets from borrower's own funds with two properties sold for net equity, assets after closing are approx 53 mths in reserves (requirement= 6), 773 score, self-employed over 7 years, losses from smaller business K-1s are included in qualifying and rental income per Sch E for XXXXX included as the income was claimed on personal Sch E (rental) but owned by LLC. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | 75 vs 3 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-06): XXXXX<br>Buyer Comment (2026-03-05): XXXXX |  |  | 03/06/2026 | 2<br> C<br> B |  | AL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31465330 | 36326092 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report is missing. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-05): XXXXX | 03/09/2026 |  |  | 1<br> C<br> A |  | AL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31465330 | 36326096 |  | 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 $XXX exceeds tolerance of $XXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-04): XXXXX |  | 03/04/2026 |  | 1<br> A |  | AL | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37244721 | 36326103 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of XXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-06): XXXXX |  | 03/06/2026 |  | 1<br> A |  | NC | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37244721 | 36326104 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2026-03-11): XXXXX<br>Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX |  |  | 03/11/2026 | 2<br> B |  | NC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37244721 | 36326105 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2026-03-11): XXXXX<br>Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX |  |  | 03/11/2026 | 2<br> B |  | NC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32373612 | 36326106 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | As per note document lender is "XXXXX", however as per appraisal lender is different " XXXXX", appraisal transfer letter is missing. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX | 02/26/2026 |  |  | 1<br> B<br> A |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37640264 | 36326124 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File is missing Right to Receive Copy of Appraisal disclosure. Missing disclosure or initial LE. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX | 03/11/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | Good faith redisclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37640264 | 36326126 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX | 03/11/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37640264 | 36326127 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX | 03/11/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37640264 | 36326128 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, 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 XXXXXX may be required. | File is missing the required Loan Estimate. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX | 03/11/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37640264 | 36326129 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | For Co-Borrower: XXXXX - as per guidelines Borrowers with no mortgage history due to a residence scenario requiring no mortgage payments are eligible with a satisfactory letter of explanation, hence require a satisfactory letter of explanation. |  |  |  | Reviewer Comment (2026-03-12): XXXXX<br>Buyer Comment (2026-03-11): XXXXX | 03/12/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39812523 | 36326139 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Hazard Insurance Policy Effective Date XX/XX/XX and Disbursement date is XX/XX/XX. Provide updated Hazard Insurance Policy covering the disbursement date / Note date. Credit related |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX<br>Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX | 03/11/2026 |  |  | 1<br> C<br> A |  | NV | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39812523 | 36326141 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | lender has considered $XXXXX as annual tax and $XXXXX as monthly tax. Provide Tax certificate that supports the lender's calculation. Credit related |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX<br>Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX | 03/11/2026 |  |  | 1<br> C<br> A |  | NV | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39812523 | 36326142 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Sales Contract addendum for change is purchase price is missing seller's signature. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX | 03/05/2026 |  |  | 1<br> D<br> A |  | NV | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39812523 | 36326144 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Images on appraisal reflects flooring in dinning, bedrooms and den were not completed. Provide updated appraisal or 442 with images confirming the work is completed, or confirm images show protective covering over completed flooring. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX<br>Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX | 03/11/2026 |  |  | 1<br> C<br> A |  | NV | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39812523 | 36326145 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal Delivery reflects XX/XX/XX and 3 day rule reflects valuation received as XX/XX/XX which is after the note date. Provide Prior appraisal report which is more than 3 days prior to the note date along with delivery instructions or delivery instruction where the borrower received appraisal 3 days prior to the note date. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX | 03/05/2026 |  |  | 1<br> B<br> A |  | NV | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35369932 | 36326148 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Required updated HOI policy with correct city name as "XXXXX". |  |  |  | Reviewer Comment (2026-03-18): XXXXX<br>Buyer Comment (2026-03-17): XXXXX | 03/18/2026 |  |  | 1<br> C<br> A |  | VA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30072149 | 36326157 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | XXXXX: Require 1040 (XXXXX), Schedule E as rental income is used for qualification per rental income worksheet, we have XXXXX 1040 but missing XXXXX 1040/schedule E. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Buyer Comment (2026-03-16): XXXXX | 03/17/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30072149 | 36326160 |  | 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 ofXXX exceeds tolerance of XXX. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $XXX on Initial LE and $XXX on Final CD. COC is dated XX/XX/XX more than 3 days prior to re-disclosure. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Buyer Comment (2026-03-13): XXXXX | 03/17/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34899032 | 36328845 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement not provided. |  |  |  | Reviewer Comment (2026-04-01): XXXXX<br>Buyer Comment (2026-03-30): XXXXX | 04/01/2026 |  |  | 1<br> C<br> A |  | GA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34899032 | 36328846 |  | 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 $60.00 exceeds tolerance of XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-27): XXXXX |  | 03/27/2026 |  | 1<br> A |  | GA | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34899032 | 36328847 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Missing Rate Lock Confirmation showing lock date and interest rate. |  |  |  | Reviewer Comment (2026-04-01): XXXXX<br>Buyer Comment (2026-03-30): XXXXX | 04/01/2026 |  |  | 1<br> B<br> A |  | GA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34086380 | 36328871 |  | 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 doucment is missing. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX | 03/05/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35227965 | 36328910 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial XXXXX Rate Lock is missing. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-06): XXXXX | 03/09/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33416662 | 36328914 |  | 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 $XXX exceeds tolerance of $XXX. $XXXover legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee. Fee Amount of $XXX exceeds tolerance of XXX with no valid change of circumstances and no cure was provided to borrower |  |  |  | Reviewer Comment (2026-03-10): XXXXX<br>Buyer Comment (2026-03-06): XXXXX | 03/10/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38596002 | 36328947 |  | Credit | Guideline | Guideline Issue | Guideline | The Subject Property was listed for sale at the time of loan application and the file does not contain evidence the property was taken off the market on or before the loan disbursed. | - | Reviewed and updated as per document. Appraisal report shows subject was sold on XX/XX/XX for $XXXXX |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-06): XXXXX | 03/09/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38596002 | 36328948 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is not provided. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-06): XXXXX | 03/09/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38596002 | 36328949 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) has updated as per deal. |  |  |  | Reviewer Comment (2026-03-10): XXXXX<br>Buyer Comment (2026-03-09): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-06): XXXXX | 03/10/2026 |  |  | 1<br> B<br> A<br> C |  | MA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38596002 | 36328950 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | proof of business license and directory listing was provided. |  |  |  | Reviewer Comment (2026-03-10): XXXXX<br>Buyer Comment (2026-03-09): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-06): XXXXX | 03/10/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37021408 | 36329013 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | The file is missing 2 months verification of bank statements for account ending in XXXXX, as required by the AUS approval. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Buyer Comment (2026-03-16): XXXXX | 03/17/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37021408 | 36329015 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy is due to insufficient asset documentation. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Buyer Comment (2026-03-16): XXXXX | 03/17/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37021408 | 36329016 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to insufficient asset documentation. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Buyer Comment (2026-03-16): XXXXX | 03/17/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36061076 | 36329053 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | 1008 indicates that AUS was used in UW however the document was not located in the file. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Buyer Comment (2026-03-18): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Buyer Comment (2026-03-17): XXXXX<br>Reviewer Comment (2026-03-17): XXXXX<br>Buyer Comment (2026-03-16): XXXXX | 03/19/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.1

![](situs_logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 4/28/2026 6:17:34 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | [redacted] | 39499158 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34430751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38428709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35050520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38565671 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30755540 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32258639 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37182002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37750448 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32348928 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39793694 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34724169 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35593962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35841750 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32256507 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37814301 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33017813 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32716701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30254887 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31148229 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33200938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35339501 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39251121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31224991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.010% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36968908 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39544813 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36746138 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.950% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31703991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39822753 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31479510 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36036679 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30056425 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33597817 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33979114 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38037626 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32038682 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32961181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33327190 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36207631 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33942308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31474611 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35839365 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34436093 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38951630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.980% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37991085 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.520% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32824366 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34153571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39166060 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30108742 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30525651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34417944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33400611 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33644826 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33968847 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30359879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37831621 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35859677 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31643918 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30269781 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35568242 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.840% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30908922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32184760 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38544132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32226846 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34865253 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.110% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38499589 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36814448 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36934776 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 35909064 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.450% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34908009 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36895961 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.410% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30025968 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35901533 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30111196 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35201704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33434347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 35981181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 37441090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30950456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 35578343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35348329 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36822560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36848755 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31903986 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32987275 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34192140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32812734 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37461526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34763561 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34217769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 37000686 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32008320 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34227947 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38899290 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38224616 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36840253 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39985722 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30268241 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30894344 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36942051 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34861168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30593256 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32858907 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31443341 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.500% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36023919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36317753 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34198562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34275718 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31385896 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38355455 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30048212 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 20.870% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35168894 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37721100 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34214139 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33503785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.250% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37084477 |  |  |  |  |  |  | 17.010% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31726911 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36333742 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36307965 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39490738 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35239159 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33222439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31479980 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34710224 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36218999 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31160469 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33493129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37379457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35915184 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38746548 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30057498 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34231025 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34789974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36171765 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33875681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37819381 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35775879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31752666 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34130137 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32150210 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35749612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31919002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 39043627 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37146686 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31128465 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.930% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35297483 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36103931 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34018358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32035610 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34385136 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37723259 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33247615 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32560701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30465404 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39140743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34506740 |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 4.630% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 39689678 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35128827 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 39029401 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31730245 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32488608 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31495099 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31465330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37244721 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.160% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32373612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 37640264 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39812523 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35369932 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30205471 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30072149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34707704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34899032 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34086380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30280639 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39470550 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35227965 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33416662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38596002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37021408 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35047361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36061076 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.630% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.80 |

---

## Exhibit 99.1

![](situs_logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 4/28/2026 6:17:34 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 | 209 | 210 | 211 | 212 | 213 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** |
| [redacted] | [redacted] | [redacted] | [redacted] | 39499158 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3563.50 | $2821.50 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23347.17 | 1 | $16949.04 | $1155.60 | $1412.42 | $96.30 |  |  |  |  |  | 37.071% | 37.071% | 37.071% | 5/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3563.50 |  | XXXX | $18838.32 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 7/XX/2055 | $916273.97 | 43.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.77 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34430751 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $16911.88 | $19360.11 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12691.84 | 1 | $7462.80 | $2193.00 | $621.90 | $182.75 |  |  |  |  |  | 32.310% | 32.310% | 32.310% | 7/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16911.88 |  | XXXX | $2403.50 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $357292.76 | 34.190% | No | 11 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.04 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38428709 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $11165.98 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12878.80 | 1 | $10821.00 | $1737.96 | $901.75 | $144.83 |  |  |  |  |  | 49.117% | 49.117% | 49.117% | 5/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1890.00 |  | XXXX | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 2 | 0 | 1 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $271275.34 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 23.87 |  | No | No |  |  |  | $12680.81 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35050520 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9943.25 | $10905.17 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5425.94 | 1 | $16019.64 | $1442.04 | $1334.97 | $120.17 |  |  |  |  |  | 45.338% | 45.338% | 45.338% | 7/XX/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9943.25 |  | XXXX | $0.00 | 3.1 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $25129.46 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.71 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38565671 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11390.00 | $16941.29 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26682.65 | 1 | $16183.08 | $1335.00 | $1348.59 | $111.25 |  |  |  |  |  | 39.344% | 39.344% | 39.344% | 11/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<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]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11390.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 1 | 0 | 5 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $892082.27 | 68.900% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 77.5 |  | No | No |  |  |  | $8674.09 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30755540 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20193.00 | $22569.88 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7800.18 | 1 | $6119.04 | $1382.04 | $509.92 | $115.17 |  |  |  |  |  | 49.672% | 49.672% | 49.672% | 9/XX/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $20193.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $55401.83 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.2 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32258639 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12582.12 | $14792.90 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14460.53 | 1 | $18976.56 | $7170.96 | $1581.38 | $597.58 |  |  |  |  |  | 42.137% | 42.137% | 42.137% | 11/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12582.12 |  | XXXX | $0.00 | 3.2 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $231180.84 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.61 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37182002 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2590.00 | $7508.32 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $85665.02 | 1 | $21863.88 | $2011.08 | $1821.99 | $167.59 |  |  |  |  |  | 21.478% | 21.478% | 21.478% | 1/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2590.00 |  | XXXX | $30000.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $478195.82 | 27.330% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.66 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37750448 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4999.12 | $5732.94 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19527.44 | 1 | $23198.52 | $7746.96 | $1933.21 | $645.58 |  |  |  |  |  | 41.243% | 41.243% | 41.243% | 1/XX/2026 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4999.12 |  | XXXX | $5000.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $849326.71 | 58.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 54.73 |  | No | No |  |  |  | $0.00 | $19399.59 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32348928 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1079.68 | $4736.47 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16146.24 | 1 | $8500.68 | $4361.88 | $708.39 | $363.49 |  |  |  |  |  | 45.483% | 45.483% | 45.483% | 1/XX/2026 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1079.68 |  | XXXX | $0.00 | 1.9 | LP / LPA |  | Accept/Eligible | N/A | No | XXXX | 1 |  | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $9142.09 |  | No | 24 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.01 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39793694 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10880.59 | $13975.38 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12588.75 | 1 | $14104.44 | $6582.72 | $1175.37 | $548.56 |  |  |  |  |  | 46.560% | 46.560% | 46.560% | 1/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Other - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10880.59 |  | XXXX | $0.00 | 2.2 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $342038.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 54.55 |  | No | No |  |  |  | $1556.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34724169 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6908.28 | $18383.52 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16275.51 | 1 | $19425.00 | $4293.96 | $1618.75 | $357.83 |  |  |  |  |  | 39.410% | 39.410% | 39.410% | 1/XX/2026 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6908.28 |  | XXXX | $1000.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $50433.49 | 3.240% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.41 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35593962 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9999.15 | $11437.55 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9869.03 | 1 | $12794.04 | $4389.00 | $1066.17 | $365.75 |  |  |  |  |  | 49.856% | 49.856% | 49.856% | 1/XX/2026 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9999.15 |  | XXXX | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $107533.44 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.96 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35841750 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.62 | $15339.76 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17612.49 | 1 | $19435.44 | $8250.00 | $1619.62 | $687.50 |  |  |  |  |  | 44.054% | 44.054% | 44.054% | 1/XX/2026 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.62 |  | XXXX | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $26825.62 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.4 |  | No | No |  |  |  | $0.00 | $12176.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32256507 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $3002.56 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15834.93 | 1 | $20670.36 | $2372.04 | $1722.53 | $197.67 |  |  |  |  |  | 42.419% | 42.419% | 42.419% | 1/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | XXXX | $0.00 | 2.5 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $23005.30 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.27 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37814301 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5007.02 | $9958.74 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17238.05 | 1 | $16770.00 | $2405.88 | $1397.50 | $200.49 |  |  |  |  |  | 39.928% | 39.928% | 39.928% | 1/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5007.02 |  | XXXX | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $188350.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 18.91 |  | No | No |  |  |  | $0.00 | $10932.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33017813 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $2500.47 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30647.17 | 1 | $23669.88 | $5283.84 | $1972.49 | $440.32 |  |  |  |  |  | 27.341% | 27.341% | 27.341% | 2/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1670.00 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $26172.06 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 |  | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.62 |  | No | No |  |  |  | $0.00 | $18978.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32716701 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2535.00 | $3024.91 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10220.12 | 1 | $16831.44 | $3170.04 | $1402.62 | $264.17 |  |  |  |  |  | 49.942% | 49.942% | 49.942% | 2/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2535.00 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $64059.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.17 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30254887 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7195.00 | $14024.05 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31726.74 | 1 | $15410.40 | $2300.04 | $1284.20 | $191.67 |  |  |  |  |  | 31.577% | 31.577% | 31.577% | 1/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7195.00 |  | XXXX | $0.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $2004845.24 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 186.16 |  | No | No |  |  |  | $22767.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31148229 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6070.60 | $2318.72 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22359.18 | 1 | $29380.68 | $3129.96 | $2448.39 | $260.83 |  |  |  |  |  | 41.285% | 41.285% | 41.285% | 2/XX/2026 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6070.60 |  | XXXX | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 1 | 0 | 6 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $238780.29 |  | No | 49 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 24.07 |  | No | No |  |  |  | $0.00 | $12083.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33200938 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1820.00 | $3382.46 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35992.04 | 1 | $17019.24 | $5138.52 | $1418.27 | $428.21 |  |  |  |  |  | 43.108% | 43.108% | 43.108% | 1/XX/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1820.00 |  | XXXX | $0.00 | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1633340.09 | 74.240% | No | 13 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.26 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35339501 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6193.26 | $6788.62 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $59626.07 | 1 | $42410.64 | $1389.00 | $3534.22 | $115.75 |  |  |  |  |  | 19.129% | 19.129% | 19.129% | 1/XX/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6193.26 |  | XXXX | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $266411.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.31 |  |  | No |  |  |  | $0.00 | $21010.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39251121 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2445.00 | $2886.67 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29473.20 | 1 | $20541.12 | $6333.00 | $1711.76 | $527.75 |  |  |  |  |  | 27.736% | 27.736% | 27.736% | 2/XX/2026 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2445.00 |  | XXXX | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $23333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31224991 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21090.12 | $34690.31 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $47157.72 | 1 | $28744.80 | $10893.96 | $2395.40 | $907.83 |  |  |  |  |  | 46.621% | 46.621% | 46.621% | 1/XX/2026 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $21090.12 |  | XXXX | $0.00 | 1.4 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1396572.05 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 17.62 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36968908 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3879.88 | $5540.27 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26436.99 | 1 | $16456.68 | $2252.16 | $1371.39 | $187.68 |  |  |  |  |  | 31.743% | 31.743% | 31.743% | 2/XX/2026 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3879.88 |  | XXXX | $0.00 | 1.9 | DU |  | ApproveEligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $55025.40 |  | No | 24 | 24 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.52 |  | No | No |  |  |  | $0.00 | $18352.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39544813 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $2883.94 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26102.19 | 1 | $11830.80 | $3234.96 | $985.90 | $269.58 |  |  |  |  |  | 30.702% | 30.702% | 30.702% | 1/XX/2026 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $103625.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | VantageScore 2.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 9.37 |  |  | No |  |  |  | $0.00 | $7666.52 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36746138 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4109.93 | $15426.25 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22961.70 | 1 | $40800.60 | $7499.28 | $3400.05 | $624.94 |  |  |  |  |  | 46.373% | 46.373% | 46.373% | 2/XX/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4109.93 |  | XXXX | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1298069.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 59 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31703991 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1894.00 | $11501.34 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14314.98 | 1 | $10832.76 | $4259.04 | $902.73 | $354.92 |  |  |  |  |  | 37.013% | 37.013% | 37.013% | 1/XX/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1894.00 |  | XXXX | $0.00 | 4.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $189208.63 |  | No | 24 | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 22.01 |  | No | No |  |  |  | $0.00 | $13285.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39822753 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 |  |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19067.61 | 1 | $15624.96 | $6051.00 | $1302.08 | $504.25 |  |  |  |  |  | 29.542% | 29.542% | 29.542% | 2/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | XXXX | $30000.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $323730.94 | 25.890% | No | 36 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.54 |  |  | No |  |  |  | $0.00 | $8687.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31479510 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1175.00 | $6175.85 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11337.89 | 1 | $6442.32 | $5625.00 | $536.86 | $468.75 |  |  |  |  |  | 37.734% | 37.734% | 37.734% | 2/XX/2026 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1175.00 |  | XXXX | $0.00 | 3.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 |  |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.79 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36036679 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $6162.47 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15134.53 | 1 | $28302.60 | $4092.00 | $2358.55 | $341.00 |  |  |  |  |  | 44.712% | 44.712% | 44.712% | 2/XX/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | XXXX | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $433640.30 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 47.74 |  |  | No |  |  |  | $0.00 | $22957.18 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30056425 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16967.86 | $19491.41 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20557.94 | 1 | $8683.92 | $2994.96 | $723.66 | $249.58 |  |  |  |  |  | 32.840% | 32.840% | 32.840% | 2/XX/2026 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16967.86 |  | XXXX | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $22903.53 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.62 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33597817 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8950.00 | $13480.01 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27258.81 | 1 | $2982.84 | $1041.96 | $248.57 | $86.83 |  |  |  |  |  | 25.589% | 25.589% | 25.589% | 1/XX/2026 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8950.00 |  | XXXX | $0.00 | 999.0 | LP / LPA |  | Accept/Eligible | No | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $423515.42 | 55.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 52.69 |  | Yes | No |  |  |  | $0.00 | $19966.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33979114 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3694.88 | $6009.51 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8592.07 | 1 | $21836.04 | $677.04 | $1819.67 | $56.42 |  |  |  |  |  | 49.948% | 49.948% | 49.948% | 2/XX/2026 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3694.88 |  | XXXX | $356000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $55285.32 | 4.510% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.93 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38037626 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19920.70 | $24454.71 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19398.70 | 1 | $16950.48 | $1558.32 | $1412.54 | $129.86 |  |  |  |  |  | 46.327% | 46.327% | 46.327% | 10/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19920.70 |  | XXXX | $0.00 | 3.9 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $203292.26 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.41 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32038682 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4999.62 | $6694.57 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India | India |  |  | $17669.60 | 1 | $14422.20 | $3385.32 | $1201.85 | $282.11 |  |  |  |  |  | 29.993% | 29.993% | 29.993% | 2/XX/2026 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4999.62 |  | XXXX | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $15748.01 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 0.43 |  |  | No |  |  |  | $0.00 | $12864.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32961181 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11833.49 | 1 | $5519.76 | $1524.96 | $459.98 | $127.08 |  |  |  |  |  | 41.362% | 41.362% | 41.362% | 2/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | XXXX | $17500.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $575048.38 | 36.280% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 32.6 |  | No | No |  |  |  | $4210.73 | $3337.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33327190 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11395.00 | $14607.83 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10308.17 | 1 | $9167.04 | $3240.00 | $763.92 | $270.00 |  |  |  |  |  | 39.251% | 39.251% | 39.251% | 2/XX/2026 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2026<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11395.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $61954.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.36 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36207631 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3000.06 | $3008.06 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10666.93 | 1 | $32413.32 | $1256.04 | $2701.11 | $104.67 |  |  |  |  |  | 47.482% | 47.482% | 47.482% | 2/XX/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3000.06 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $52324.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.27 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33942308 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $2029.87 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12992.43 | 1 | $21717.12 | $2714.04 | $1809.76 | $226.17 |  |  |  |  |  | 41.541% | 41.541% | 41.541% | 1/XX/2026 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | XXXX | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $5448.20 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.1 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31474611 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $4807.48 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29124.23 | 1 | $15380.28 | $2246.16 | $1281.69 | $187.18 |  |  |  |  |  | 31.903% | 31.903% | 31.903% | 2/XX/2026 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | XXXX | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $115183.71 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.75 |  | No | No |  |  |  | $0.00 | $20070.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35839365 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2290.00 | $3768.63 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10712.04 | 1 | $8269.68 | $2308.80 | $689.14 | $192.40 |  |  |  |  |  | 44.037% | 44.037% | 44.037% | 1/XX/2026 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2290.00 |  | XXXX | $0.00 | 2.7 | DU |  | ApproveEligible | Yes | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $339056.48 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 83.58 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34436093 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2569.00 | $27248.42 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed | Self-Employed |  | 10.36 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $12992.31 | 1 | $10298.28 | $3696.48 | $858.19 | $308.04 |  |  |  |  |  | 44.156% | 44.156% | 44.156% | 11/XX/2025 | 704 | 786 | 801 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2569.00 |  | XXXX | $0.00 | 2.3 | DU |  | ApproveEligible | No | No | XXXX | 4 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $70308.63 |  | No | 36 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | No | 7.26 |  | No | No |  |  |  | $6726.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38951630 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3485.00 | $12662.89 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27618.99 | 1 | $27329.52 | $4587.96 | $2277.46 | $382.33 |  |  |  |  |  | 40.985% | 40.985% | 40.985% | 2/XX/2026 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3485.00 |  | XXXX | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $253952.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.94 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37991085 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6193.49 | $16465.12 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16751.16 | 1 | $26738.88 | $3618.12 | $2228.24 | $301.51 |  |  |  |  |  | 46.894% | 46.894% | 46.894% | 2/XX/2026 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6193.49 |  | XXXX | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $121138.10 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 6.73 |  |  | No |  |  |  | $0.00 | $18438.45 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32824366 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $4914.72 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20906.22 | 1 | $10955.88 | $3098.16 | $912.99 | $258.18 |  |  |  |  |  | 28.444% | 28.444% | 28.444% | 2/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | XXXX | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.28 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34153571 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1915.00 | $7034.16 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $132115.46 | 1 | $10802.76 | $4656.24 | $900.23 | $388.02 |  |  |  |  |  | 6.860% | 6.860% | 6.860% | 1/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1915.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1348586.35 | 90.500% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 115.85 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39166060 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1350.45 | $2715.45 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25742.25 | 1 | $30163.08 | $3050.04 | $2513.59 | $254.17 |  |  |  |  |  | 41.588% | 41.588% | 41.588% | 2/XX/2026 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1350.45 |  | XXXX | $0.00 | 1.5 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $834690.96 | 34.770% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.34 |  | Yes | No |  |  |  | $0.00 | $23389.82 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30108742 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1050.00 | $606.63 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47521.95 | 1 | $22578.96 | $380.16 | $1881.58 | $31.68 |  |  |  |  |  | 22.417% | 22.417% | 22.417% | 1/XX/2026 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1050.00 |  | XXXX | $0.00 | 1.7 | DU |  | ApproveEligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $21533.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.96 |  | No | No |  |  |  | $0.00 | $22500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30525651 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1050.00 | $3838.85 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9436.67 | 1 | $13643.88 | $1412.04 | $1136.99 | $117.67 |  |  |  |  |  | 40.096% | 40.096% | 40.096% | 2/XX/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1050.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $140334.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 21.18 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34417944 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1050.00 | $3710.77 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18161.25 | 1 | $14992.92 | $2094.48 | $1249.41 | $174.54 |  |  |  |  |  | 45.055% | 45.055% | 45.055% | 1/XX/2026 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1050.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  | HELOC | No |  | Not Stated |  |  |  | 4/XX/2056 | $16307.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.18 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33400611 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2070.00 | $8602.60 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15760.32 | 1 | $20273.76 | $2278.92 | $1689.48 | $189.91 |  |  |  |  |  | 49.983% | 49.983% | 49.983% | 2/XX/2026 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2070.00 |  | XXXX | $6000.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $709478.03 | 45.740% | No | 29 | 0 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 43.03 |  | No | No |  |  |  | $0.00 | $18451.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33644826 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7000.00 | $1999.28 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17943.92 | 1 | $5295.36 | $2256.00 | $441.28 | $188.00 |  |  |  |  |  | 28.224% | 28.224% | 28.224% | 1/XX/2026 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; VVOE - 2026<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employment Contract - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7000.00 |  | XXXX | $10000.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $414346.28 | 29.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 8.99 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33968847 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11194.37 | $15303.21 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32174.71 | 1 | $14564.88 | $4850.04 | $1213.74 | $404.17 |  |  |  |  |  | 27.152% | 27.152% | 27.152% | 2/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11194.37 |  | XXXX | $10000.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $394922.00 | 27.950% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30359879 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1050.00 | $9731.95 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15763.72 | 1 | $16517.52 | $2514.00 | $1376.46 | $209.50 |  |  |  |  |  | 34.990% | 34.990% | 34.990% | 2/XX/2026 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1050.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | No | No | XXXX | 2 | 2 | 2 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $202462.69 | 15.890% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 4.61 |  | No | No |  |  |  | $0.00 | $7698.90 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37831621 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4300.00 | $4909.30 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16900.91 | 1 | $20408.16 | $3667.08 | $1700.68 | $305.59 |  |  |  |  |  | 32.396% | 32.396% | 32.396% | 2/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4300.00 |  | XXXX | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $7551.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple |  | Individually and as Trustee |  | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35859677 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5730.14 | $9917.19 |  | XXXX | XXXX | XXXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Trinidad and Tobago | Trinidad and Tobago |  |  | $30785.17 | 1 | $11458.20 | $6492.36 | $954.85 | $541.03 |  |  |  |  |  | 18.905% | 18.905% | 18.905% | 2/XX/2026 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5730.14 |  | XXXX | $0.00 | 4.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $177565.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  | No | 25.28 |  |  | No |  |  |  | $0.00 | $37961.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31643918 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18388.02 | $15751.39 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15403.87 | 1 | $27490.92 | $5511.96 | $2290.91 | $459.33 |  |  |  |  |  | 40.468% | 40.468% | 40.468% | 2/XX/2026 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $18388.02 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1157884.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 125.53 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30269781 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20788.24 | $21591.56 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29298.63 | 1 | $12800.04 | $6172.32 | $1066.67 | $514.36 |  |  |  |  |  | 30.094% | 30.094% | 30.094% | 2/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; 1099-R - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; 1099-R - 2002 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $20788.24 |  | XXXX | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $170411.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 16.44 |  | No | No |  |  |  | $17053.98 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35568242 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14314.00 | $20453.43 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30112.85 | 1 | $17000.04 | $7220.04 | $1416.67 | $601.67 |  |  |  |  |  | 39.769% | 39.769% | 39.769% | 12/XX/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14314.00 |  | XXXX | $0.00 | 999.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $823484.03 | 32.360% | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.17 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30908922 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $895.00 | $4416.67 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30657.74 | 1 | $21998.16 | $8465.16 | $1833.18 | $705.43 |  |  |  |  |  | 30.743% | 30.743% | 30.743% | 2/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<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]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $895.00 |  | XXXX | $12000.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 | 1 | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $404349.45 | 32.340% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.81 |  | No | No |  |  |  | $0.00 | $17916.64 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32184760 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $4361.90 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37420.04 | 1 | $20377.92 | $2811.96 | $1698.16 | $234.33 |  |  |  |  |  | 29.374% | 29.374% | 29.374% | 2/XX/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $2047529.44 | 83.570% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 113.31 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38544132 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9250.00 | $11949.83 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22367.38 | 1 | $37492.08 | $9985.92 | $3124.34 | $832.16 |  |  |  |  |  | 47.974% | 47.974% | 47.974% | 2/XX/2026 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9250.00 |  | XXXX | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $22916.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32226846 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2815.00 | $13014.97 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32146.18 | 1 | $12033.96 | $1221.00 | $1002.83 | $101.75 |  |  |  |  |  | 33.491% | 33.491% | 33.491% | 1/XX/2026 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2815.00 |  | XXXX | $0.00 | 2.2 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $2196076.16 | 100.000% | No | 19 | 21 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 169 |  | No | No |  |  |  | $0.00 | $32500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34865253 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14476.40 | $21754.86 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $85362.34 | 1 | $57862.92 | $3538.20 | $4821.91 | $294.85 |  |  |  |  |  | 22.134% | 22.134% | 22.134% | 2/XX/2026 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14476.40 |  | XXXX | $28500.00 | 1.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1643829.64 | 57.670% | No | 13 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.72 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38499589 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2240.00 | $8029.68 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16836.38 | 1 | $31366.08 | $1433.04 | $2613.84 | $119.42 |  |  |  |  |  | 49.392% | 49.392% | 49.392% | 2/XX/2026 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2240.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $32425.67 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.98 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36814448 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17971.15 | $21359.57 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16524.46 | 1 | $20625.00 | $1532.04 | $1718.75 | $127.67 |  |  |  |  |  | 44.579% | 44.579% | 44.579% | 11/XX/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $17971.15 |  | XXXX | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $366171.74 | 22.190% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.21 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36934776 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $4892.44 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36647.42 | 1 | $15937.56 | $4641.00 | $1328.13 | $386.75 |  |  |  |  |  | 34.808% | 34.808% | 34.808% | 2/XX/2026 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | XXXX | $21000.00 |  | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $735020.73 | 57.640% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.89 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35909064 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $3987.88 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32165.12 | 1 | $38725.92 | $3305.16 | $3227.16 | $275.43 |  |  |  |  |  | 39.730% | 39.730% | 39.730% | 2/XX/2026 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1540671.72 |  | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 87.39 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34908009 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12532.70 | $14175.14 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India | India |  |  | $15102.90 | 1 | $19098.84 | $1613.04 | $1591.57 | $134.42 |  |  |  |  |  | 44.235% | 44.235% | 44.235% | 2/XX/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12532.70 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | No | No | XXXX | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $191545.89 |  | No | 3 | 11 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | Resident Alien Card |  |  | No | 20.94 |  | No | No |  |  |  | $0.00 | $10416.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36895961 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13527.00 | $22053.45 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47876.30 | 1 | $42465.24 | $4221.48 | $3538.77 | $351.79 |  |  |  |  |  | 28.069% | 28.069% | 28.069% | 2/XX/2026 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13527.00 |  | XXXX | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $432217.57 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 19.99 |  |  | No |  |  |  | $0.00 | $41558.40 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30025968 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2220.00 | $14672.76 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8881.23 | 1 | $2456.16 | $5133.00 | $204.68 | $427.75 |  |  |  |  |  | 45.736% | 45.736% | 45.736% | 2/XX/2026 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2220.00 |  | XXXX | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $102406.93 |  | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.16 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35901533 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3499.62 | $4162.54 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9951.28 | 1 | $4492.68 | $2964.00 | $374.39 | $247.00 |  |  |  |  |  | 43.649% | 43.649% | 43.649% | 2/XX/2026 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3499.62 |  | XXXX | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $13071.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.67 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30111196 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8350.00 | $16062.03 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42845.20 | 1 | $25375.68 | $7989.84 | $2114.64 | $665.82 |  |  |  |  |  | 47.268% | 47.268% | 47.268% | 1/XX/2026 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8350.00 |  | XXXX | $10000.00 | 3.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $519254.34 | 28.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.5 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35201704 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $5658.11 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13811.18 | 1 | $18937.56 | $6846.12 | $1578.13 | $570.51 |  |  |  |  |  | 47.130% | 47.130% | 47.130% | 2/XX/2026 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | XXXX | $30000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $656321.47 | 43.320% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 36.56 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33434347 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $5707.96 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $57575.43 | 1 | $19631.04 | $5703.00 | $1635.92 | $475.25 |  |  |  |  |  | 18.645% | 18.645% | 18.645% | 2/XX/2026 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $105282.12 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.89 |  |  | No |  |  |  | $0.00 | $57068.22 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35981181 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9194.46 | $18269.69 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10238.76 | 1 | $18213.00 | $8361.48 | $1517.75 | $696.79 |  |  |  |  |  | 49.851% | 49.851% | 49.851% | 1/XX/2026 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9194.46 |  | XXXX | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $119062.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.68 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37441090 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5000.00 | $218.92 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | China | China |  |  | $17317.37 | 1 | $16263.24 | $1162.08 | $1355.27 | $96.84 |  |  |  |  |  | 40.247% | 40.247% | 40.247% | 2/XX/2026 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5000.00 |  | XXXX | $0.00 | 2.4 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $167238.32 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  | No | 19 |  |  | No |  |  |  | $0.00 | $21583.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30950456 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15000.00 | $62.50 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12287.54 | 1 | $4393.08 | $2364.84 | $366.09 | $197.07 |  |  |  |  |  | 37.342% | 37.342% | 37.342% | 2/XX/2026 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15000.00 |  | XXXX | $39000.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $180921.32 | 13.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 0.16 |  |  | No |  |  |  | $3376.02 | $4813.14 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35578343 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26759.30 | $35114.69 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $114399.35 | 1 | $21311.40 | $7349.04 | $1775.95 | $612.42 |  |  |  |  |  | 16.704% | 16.704% | 16.704% | 2/XX/2026 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $26759.30 |  | XXXX | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35348329 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6165.62 | $13612.21 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41218.72 | 1 | $29012.28 | $8189.64 | $2417.69 | $682.47 |  |  |  |  |  | 35.250% | 35.250% | 35.250% | 2/XX/2026 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6165.62 |  | XXXX | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $515.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.01 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36822560 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13819.87 | $15675.95 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $63222.61 | 1 | $9335.88 | $990.00 | $777.99 | $82.50 |  |  |  |  |  | 16.042% | 16.042% | 16.042% | 12/XX/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13819.87 |  | XXXX | $0.00 | 999.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $296086.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 154.17 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36848755 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $495.00 | $6900.25 |  | XXXX | XXXX | XXXX | XXXX | No | Yes | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $112708.57 | 1 | $7251.60 | $1209.96 | $604.30 | $100.83 |  |  |  |  |  | 16.275% | 16.275% | 16.275% | 1/XX/2026 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $495.00 |  | XXXX | $500.00 | 3.6 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $334242.93 | 27.850% | No |  | 24 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.28 |  | Yes | No |  |  |  | $0.00 | $134616.94 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31903986 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $5403.42 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19410.18 | 1 | $18203.40 | $6990.00 | $1516.95 | $582.50 |  |  |  |  |  | 46.547% | 46.547% | 46.547% | 2/XX/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Business License - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | XXXX | $13127.90 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $592444.89 | 33.850% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.95 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32987275 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3998.95 | $4332.27 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17667.33 | 1 | $2581.56 | $1509.96 | $215.13 | $125.83 |  |  |  |  |  | 29.331% | 29.331% | 29.331% | 1/XX/2026 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3998.95 |  | XXXX | $1000.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $577546.71 | 82.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 114.75 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34192140 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7084.15 | $11553.52 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14243.89 | 1 | $15794.40 | $7773.96 | $1316.20 | $647.83 |  |  |  |  |  | 41.270% | 41.270% | 41.270% | 2/XX/2026 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7084.15 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $69486.24 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 11.55 |  |  | No |  |  |  | $0.00 | $10833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32812734 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4999.50 | $6754.95 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23937.65 | 1 | $3850.56 | $2353.68 | $320.88 | $196.14 |  |  |  |  |  | 33.197% | 33.197% | 33.197% | 2/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4999.50 |  | XXXX | $1914.39 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $601834.47 | 47.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37461526 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.68 | $19046.74 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23467.83 | 1 | $31731.12 | $2019.96 | $2644.26 | $168.33 |  |  |  |  |  | 45.930% | 45.930% | 45.930% | 2/XX/2026 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.68 |  | XXXX | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1835770.59 | 76.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.35 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34763561 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18849.35 | $23576.12 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24457.36 | 1 | $7850.04 | $3887.04 | $654.17 | $323.92 |  |  |  |  |  | 37.248% | 37.248% | 37.248% | 2/XX/2026 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $18849.35 |  | XXXX | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $153734.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.55 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34217769 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2701.72 | $4123.80 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36445.64 | 1 | $9006.96 | $1923.96 | $750.58 | $160.33 |  |  |  |  |  | 29.748% | 29.748% | 29.748% | 1/XX/2026 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2701.72 |  | XXXX | $8000.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $404573.44 | 33.710% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.74 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37000686 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5195.00 | $3583.00 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15862.18 | 1 | $30651.84 | $3504.96 | $2554.32 | $292.08 |  |  |  |  |  | 43.963% | 43.963% | 43.963% | 2/XX/2026 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5195.00 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $36531.45 |  | No |  | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.49 |  | No | No |  |  |  | $0.00 | $11346.61 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32008320 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8824.16 | $1986.41 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19389.82 | 1 | $3363.00 | $807.24 | $280.25 | $67.27 |  |  |  |  |  | 27.846% | 27.846% | 27.846% | 1/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2006 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8824.16 |  | XXXX | $17100.00 | 1.8 | DU |  | ApproveEligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $324352.10 | 56.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 63.12 |  | No | No |  |  |  | $3343.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34227947 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6000.00 | $1621.63 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9871.54 | 1 | $8493.12 | $831.96 | $707.76 | $69.33 |  |  |  |  |  | 40.280% | 40.280% | 40.280% | 1/XX/2026 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6000.00 |  | XXXX | $13066.96 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $201508.47 | 36.560% | No |  | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14 |  | No | No |  |  |  | $0.00 | $9479.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38899290 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2475.00 | $8712.54 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20458.85 | 1 | $32775.60 | $3807.96 | $2731.30 | $317.33 |  |  |  |  |  | 49.474% | 49.474% | 49.474% | 2/XX/2026 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2475.00 |  | XXXX | $0.00 | 2.6 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  | Closed End | No |  | Not Stated |  |  |  | 4/XX/2056 | $60533.36 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.36 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38224616 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2475.00 | $7284.39 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24980.25 | 1 | $24676.68 | $5232.12 | $2056.39 | $436.01 |  |  |  |  |  | 39.832% | 39.832% | 39.832% | 2/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2475.00 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  | Closed End | No |  | Not Stated |  |  |  | 4/XX/2056 | $53440.52 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.48 |  |  | No |  |  |  | $0.00 | $16666.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36840253 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1913.00 | $1867.44 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20043.34 | 1 | $5687.64 | $2892.00 | $473.97 | $241.00 |  |  |  |  |  | 43.647% | 43.647% | 43.647% | 1/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Annuity]; Other - 2026<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1913.00 |  | XXXX | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $415009.01 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.75 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39985722 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $4432.96 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8489.68 | 1 | $5819.40 | $1874.04 | $484.95 | $156.17 |  |  |  |  |  | 48.193% | 48.193% | 48.193% | 2/XX/2026 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | XXXX | $25000.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $253533.08 | 21.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.05 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30268241 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12786.10 | $17610.79 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30738.90 | 1 | $18475.56 | $11582.04 | $1539.63 | $965.17 |  |  |  |  |  | 32.933% | 32.933% | 32.933% | 3/XX/2026 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12786.10 |  | XXXX | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $11170.81 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.95 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30894344 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7270.00 | $14292.02 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13786.68 | 1 | $5941.68 | $3279.12 | $495.14 | $273.26 |  |  |  |  |  | 36.885% | 36.885% | 36.885% | 1/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7270.00 |  | XXXX | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $23598.10 | 1.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 4.74 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36942051 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18684.25 | $10873.51 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15433.82 | 1 | $26874.96 | $2655.96 | $2239.58 | $221.33 |  |  |  |  |  | 44.819% | 44.819% | 44.819% | 2/XX/2026 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $18684.25 |  | XXXX | $7500.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 2 | 0 | 3 | 0 |  |  | 13.90 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $5429390.11 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 390.11 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34861168 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11194.81 | $20380.14 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13815.68 | 1 | $20176.44 | $2643.96 | $1681.37 | $220.33 |  |  |  |  |  | 45.150% | 45.150% | 45.150% | 2/XX/2026 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11194.81 |  | XXXX | $0.00 | 3.3 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 1 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $38297.29 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.42 |  |  | No |  |  |  | $0.00 | $10604.88 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30593256 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6218.32 | $8262.23 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35283.33 | 1 | $23133.72 | $3099.00 | $1927.81 | $258.25 |  |  |  |  |  | 27.313% | 27.313% | 27.313% | 2/XX/2026 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6218.32 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $535954.41 | 38.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 25.37 |  | Yes | No |  |  |  | $0.00 | $38541.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32858907 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1950.00 | $9944.02 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13473.20 | 1 | $18125.04 | $1988.88 | $1510.42 | $165.74 |  |  |  |  |  | 45.980% | 45.980% | 45.980% | 2/XX/2026 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1950.00 |  | XXXX | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | No | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $49104.22 | 3.380% | No | 25 | 13 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 3.18 |  | Yes | No |  |  |  | $0.00 | $10458.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31443341 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $35110.00 | $48395.08 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28873.43 | 1 | $38182.92 | $4239.12 | $3181.91 | $353.26 |  |  |  |  |  | 41.280% | 41.280% | 41.280% | 2/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $35110.00 |  | XXXX | $700.00 | 1.5 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $2332157.35 | 59.040% | No |  |  |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.39 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36023919 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1999.80 | $5968.04 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7924.09 | 1 | $8224.20 | $2348.04 | $685.35 | $195.67 |  |  |  |  |  | 48.608% | 48.608% | 48.608% | 1/XX/2026 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [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 - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2025<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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1999.80 |  | XXXX | $0.00 | 4.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 3 | 3 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $498937.37 | 39.510% | No | 25 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 31.79 |  | Yes | No |  |  |  | $0.00 | $1704.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36317753 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7170.00 | $13533.71 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9517.48 | 1 | $1131.00 | $2589.96 | $94.25 | $215.83 |  |  |  |  |  | 43.987% | 43.987% | 43.987% | 2/XX/2026 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7170.00 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.14 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34198562 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $145.00 | $70.45 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12773.94 | 1 | $16607.64 | $5779.08 | $1383.97 | $481.59 |  |  |  |  |  | 42.981% | 42.981% | 42.981% | 2/XX/2026 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $145.00 |  | XXXX | $0.00 | 2.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $47573.65 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 3.35 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34275718 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1570.00 | $5259.91 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16916.05 | 1 | $11191.80 | $3802.80 | $932.65 | $316.90 |  |  |  |  |  | 42.137% | 42.137% | 42.137% | 2/XX/2026 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1570.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1926591.94 | 100.000% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 257.45 |  | No | No |  |  |  | $0.00 | $7735.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31385896 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5891.80 | $6889.60 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27359.92 | 1 | $12944.40 | $8558.04 | $1078.70 | $713.17 |  |  |  |  |  | 36.481% | 36.481% | 36.481% | 1/XX/2026 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5891.80 |  | XXXX | $20000.00 | 1.8 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $297171.95 | 16.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.94 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38355455 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2590.00 | $5990.93 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16637.04 | 1 | $11667.48 | $6044.76 | $972.29 | $503.73 |  |  |  |  |  | 37.044% | 37.044% | 37.044% | 2/XX/2026 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2590.00 |  | XXXX | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $188903.24 | 16.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 3.72 |  |  | No |  |  |  | $0.00 | $18333.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30048212 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1990.00 | $3043.22 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13533.50 | 1 | $10953.00 | $3408.36 | $912.75 | $284.03 |  |  |  |  |  | 49.701% | 49.701% | 49.701% | 12/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | XXXX | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $59858.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.23 |  | No | No |  |  |  | $0.00 | $13040.99 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35168894 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $5825.99 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14837.00 | 1 | $19090.32 | $6240.96 | $1590.86 | $520.08 |  |  |  |  |  | 41.993% | 41.993% | 41.993% | 2/XX/2026 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | XXXX | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $148597.88 |  | No | 1 | 24 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.99 |  |  | No |  |  |  | $0.00 | $6726.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37721100 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1490.00 | $3623.12 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12350.36 | 1 | $18509.16 | $3604.68 | $1542.43 | $300.39 |  |  |  |  |  | 46.651% | 46.651% | 46.651% | 1/XX/2026 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1490.00 |  | XXXX | $23702.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $955236.88 | 50.540% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.15 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34214139 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12331.58 | $16753.16 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13414.03 | 1 | $11478.84 | $2100.84 | $956.57 | $175.07 |  |  |  |  |  | 46.409% | 46.409% | 46.409% | 1/XX/2026 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12331.58 |  | XXXX | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $10283.84 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33003235 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3643.20 | $9774.80 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19622.85 | 1 | $7219.08 | $2317.80 | $601.59 | $193.15 |  |  |  |  |  | 29.161% | 29.161% | 29.161% | 1/XX/2026 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3643.20 |  | XXXX | $0.00 | 999.0 | DU |  | ApproveEligible | No | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $29655.36 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.4 |  |  | No |  |  |  | $0.00 | $11744.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33503785 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7389.60 | $7698.59 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9319.03 | 1 | $17934.84 | $1386.96 | $1494.57 | $115.58 |  |  |  |  |  | 46.170% | 46.170% | 46.170% | 1/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7389.60 |  | XXXX | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | XXXX | 1 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $309524.45 |  | No | 34 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 40.73 |  |  | No |  |  |  | $0.00 | $6145.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37084477 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4998.00 | $1879.45 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23233.24 | 1 | $19056.84 | $6069.00 | $1588.07 | $505.75 |  |  |  |  |  | 44.161% | 44.161% | 44.161% | 2/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - Pension]; Other - 2026<br> [Borrower - \| Primary Income - Pension]; Other - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4998.00 |  | XXXX | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31726911 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10722.89 | $18961.55 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed | Non-Employment Income | Non-Employment Income | 0 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $37925.10 | 1 | $24562.56 | $5258.40 | $2046.88 | $438.20 |  |  |  |  |  | 39.912% | 39.912% | 39.912% | 12/XX/2025 | 780 | 780 | 793 | 782 |  | 804 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2019<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10722.89 |  | XXXX | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $3277175.03 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  | 242.42 |  | Yes | No |  |  |  | $35316.39 | $12500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36333742 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15069.68 | $17791.47 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49077.65 | 1 | $5069.28 | $0.00 | $422.44 | $0.00 |  |  |  |  |  | 22.688% | 22.688% | 22.688% | 2/XX/2026 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15069.68 |  | XXXX | $0.00 | 2.6 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $464135.15 | 33.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.32 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36307965 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4999.50 | $8544.02 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24628.84 | 1 | $28429.80 | $5834.04 | $2369.15 | $486.17 |  |  |  |  |  | 33.262% | 33.262% | 33.262% | 2/XX/2026 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4999.50 |  | XXXX | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $35086.47 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.77 |  | No | No |  |  |  | $3182.88 | $14000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39490738 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13395.00 | $21223.96 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29206.64 | 1 | $6505.80 | $8981.16 | $542.15 | $748.43 |  |  |  |  |  | 36.399% | 36.399% | 36.399% | 1/XX/2026 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Deposit Receipt - 2026<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13395.00 |  | XXXX | $0.00 | 1.2 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 4/XX/2056 | $6806991.17 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 157.41 |  | Yes | No |  |  |  | $1318.56 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35239159 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1674.00 | $6649.89 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11206.22 | 1 | $13536.36 | $0.00 | $1128.03 | $0.00 |  |  |  |  |  | 42.049% | 42.049% | 42.049% | 12/XX/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 | [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) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1674.00 |  | XXXX | $5000.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1232989.70 | 86.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.95 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33222439 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16195.00 | $22558.84 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13354.69 | 1 | $9410.16 | $2955.00 | $784.18 | $246.25 |  |  |  |  |  | 49.754% | 49.754% | 49.754% | 2/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Capital Gains]; Other - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16195.00 |  | XXXX | $0.00 | 2.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $2098117.81 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 140.4 |  | Yes | No |  |  |  | $1957.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31479980 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6213.79 | $9617.43 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13068.81 | 1 | $21712.08 | $3446.04 | $1809.34 | $287.17 |  |  |  |  |  | 46.259% | 46.259% | 46.259% | 2/XX/2026 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6213.79 |  | XXXX | $0.00 | 4.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  | Closed End | No |  | Not Stated |  |  |  | 4/XX/2056 | $567548.77 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 50.81 |  | No | No |  |  |  | $0.00 | $14014.52 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34710224 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5000.40 | $5000.40 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10470.24 | 1 | $5625.84 | $1915.56 | $468.82 | $159.63 |  |  |  |  |  | 44.874% | 44.874% | 44.874% | 2/XX/2026 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5000.40 |  | XXXX | $0.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $121146.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.11 |  | No | No |  |  |  | $0.00 | $15824.21 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36218999 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5075.29 | $8229.67 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25094.36 | 1 | $12865.80 | $10040.28 | $1072.15 | $836.69 |  |  |  |  |  | 44.667% | 44.667% | 44.667% | 2/XX/2026 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5075.29 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $49010.95 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.11 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31160469 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6250.40 | $12608.01 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16781.31 | 1 | $11666.76 | $0.00 | $972.23 | $0.00 |  |  |  |  |  | 32.874% | 32.874% | 32.874% | 2/XX/2026 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6250.40 |  | XXXX | $50000.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $289720.21 | 21.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.22 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33493129 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5000.00 | $8817.64 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43663.20 | 1 | $42300.96 | $1743.96 | $3525.08 | $145.33 |  |  |  |  |  | 42.754% | 42.754% | 42.754% | 2/XX/2026 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5000.00 |  | XXXX | $0.00 | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $2964524.91 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 137.86 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37379457 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4605.89 | $8289.49 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35738.48 | 1 | $32812.56 | $2734.32 | $2734.38 | $227.86 |  |  |  |  |  | 34.021% | 34.021% | 34.021% | 2/XX/2026 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4605.89 |  | XXXX | $0.00 | 3.5 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $958475.69 | 36.510% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.6 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35915184 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11651.40 | $17204.14 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6952.56 | 1 | $10721.40 | $2922.00 | $893.45 | $243.50 |  |  |  |  |  | 49.438% | 49.438% | 49.438% | 2/XX/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11651.40 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $181120.98 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.59 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31456688 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $9374.87 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16389.37 | 1 | $3635.40 | $1881.96 | $302.95 | $156.83 |  |  |  |  |  | 28.483% | 28.483% | 28.483% | 2/XX/2026 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | XXXX | $12750.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $491702.94 | 38.560% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.64 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38746548 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2310.00 | $3820.49 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26425.95 | 1 | $15157.08 | $1394.64 | $1263.09 | $116.22 |  |  |  |  |  | 21.369% | 21.369% | 21.369% | 2/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2310.00 |  | XXXX | $0.00 | 1.6 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $34546.33 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.93 |  |  | No |  |  |  | $0.00 | $26360.61 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30057498 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2726.25 | $40825.33 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23799.40 | 1 | $21017.04 | $4840.32 | $1751.42 | $403.36 |  |  |  |  |  | 39.355% | 39.355% | 39.355% | 2/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2726.25 |  | XXXX | $11000.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1191716.80 | 68.090% | No | 25 | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 110.91 |  | Yes | No |  |  |  | $0.00 | $27183.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34231025 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1770.00 | $15150.24 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25027.82 | 1 | $28457.28 | $6695.04 | $2371.44 | $557.92 |  |  |  |  |  | 44.621% | 44.621% | 44.621% | 2/XX/2026 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1770.00 |  | XXXX | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1605809.34 | 85.640% | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 102.59 |  | Yes | No |  |  |  | $0.00 | $30535.94 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34789974 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1300.00 | $6328.33 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  | China |  |  | $15212.12 | 1 | $9521.04 | $1283.04 | $793.42 | $106.92 |  |  |  |  |  | 30.128% | 30.128% | 30.128% | 3/XX/2026 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1300.00 |  | XXXX | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $215089.03 | 18.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA |  |  |  | 10.33 |  |  | No |  |  |  | $0.00 | $14633.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36171765 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1095.00 | $2348.24 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $67126.98 | 1 | $18841.44 | $1699.08 | $1570.12 | $141.59 |  |  |  |  |  | 20.570% | 20.570% | 20.570% | 2/XX/2026 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1095.00 |  | XXXX | $10700.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $257617.92 | 15.610% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 50.96 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33875681 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11250.00 | $14631.09 |  | XXXX | XXXX | XXXX | XXXX | Yes | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17321.71 | 1 | $23686.32 | $1685.04 | $1973.86 | $140.42 |  |  |  |  |  | 49.736% | 49.736% | 49.736% | 2/XX/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11250.00 |  | XXXX | $0.00 | 1.1 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 4/XX/2056 | $4222417.02 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.02 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37819381 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2220.00 | $19002.17 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17612.35 | 1 | $13967.40 | $12321.72 | $1163.95 | $1026.81 |  |  |  |  |  | 44.413% | 44.413% | 44.413% | 1/XX/2026 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2220.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.8 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35775879 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11195.00 | $15846.34 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26555.23 | 1 | $16149.60 | $3615.60 | $1345.80 | $301.30 |  |  |  |  |  | 23.336% | 23.336% | 23.336% | 2/XX/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11195.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31752666 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28075.60 | $35559.63 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20022.44 | 1 | $10358.16 | $8910.96 | $863.18 | $742.58 |  |  |  |  |  | 48.881% | 48.881% | 48.881% | 2/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $28075.60 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $510818.84 | 27.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.42 |  | Yes | No |  |  |  | $0.00 | $30000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34130137 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6249.94 | $15140.71 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26224.29 | 1 | $23322.96 | $2925.96 | $1943.58 | $243.83 |  |  |  |  |  | 40.625% | 40.625% | 40.625% | 3/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6249.94 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $459327.43 | 25.370% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 8.96 |  | Yes | No |  |  |  | $0.00 | $9270.84 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32150210 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10444.05 | $12004.12 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $54091.56 | 1 | $29394.72 | $8565.96 | $2449.56 | $713.83 |  |  |  |  |  | 16.569% | 16.569% | 16.569% | 3/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10444.05 |  | XXXX | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $43291.53 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.99 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35749612 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13290.49 | $45705.43 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24026.35 | 1 | $16108.68 | $7461.12 | $1342.39 | $621.76 |  |  |  |  |  | 32.073% | 32.073% | 32.073% | 2/XX/2026 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13290.49 |  | XXXX | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 135.16 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31919002 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6249.07 | $13257.13 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $61687.95 | 1 | $34208.40 | $4580.04 | $2850.70 | $381.67 |  |  |  |  |  | 24.011% | 24.011% | 24.011% | 2/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6249.07 |  | XXXX | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $63090.09 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.35 |  | No | No |  |  |  | $0.00 | $17649.88 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39043627 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11250.48 | $15122.47 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8666.51 | 1 | $5662.56 | $2165.04 | $471.88 | $180.42 |  |  |  |  |  | 47.972% | 47.972% | 47.972% | 3/XX/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11250.48 |  | XXXX | $20000.00 | 4.6 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $612967.43 | 43.780% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.71 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37146686 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4443.00 | $9934.19 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18560.97 | 1 | $13858.92 | $15143.04 | $1154.91 | $1261.92 |  |  |  |  |  | 47.545% | 47.545% | 47.545% | 1/XX/2026 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4443.00 |  | XXXX | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $122209.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.2 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31128465 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1940.00 | $8288.30 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28574.83 | 1 | $14406.96 | $3869.64 | $1200.58 | $322.47 |  |  |  |  |  | 39.784% | 39.784% | 39.784% | 3/XX/2026 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1940.00 |  | XXXX | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $896446.89 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 62.12 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35297483 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7950.00 | $29554.13 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10784.52 | 1 | $7087.44 | $3620.04 | $590.62 | $301.67 |  |  |  |  |  | 44.880% | 44.880% | 44.880% | 12/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2026<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7950.00 |  | XXXX | $1500.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $388975.84 | 29.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.02 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36103931 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23165.00 | $43796.86 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12104.48 | 1 | $5366.64 | $2403.00 | $447.22 | $200.25 |  |  |  |  |  | 46.890% | 46.890% | 46.890% | 1/XX/2026 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $23165.00 |  | XXXX | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $46431.29 |  | No | 24 | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.98 |  | No | No |  |  |  | $5546.04 | $7865.43 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34018358 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $11746.07 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40842.09 | 1 | $27884.40 | $3883.68 | $2323.70 | $323.64 |  |  |  |  |  | 32.365% | 32.365% | 32.365% | 2/XX/2026 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1695.00 |  | XXXX | $0.00 | 4.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1063385.61 | 42.530% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.01 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32035610 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $13631.89 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31024.06 | 1 | $32089.92 | $10355.04 | $2674.16 | $862.92 |  |  |  |  |  | 48.769% | 48.769% | 48.769% | 1/XX/2026 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1187958.14 | 45.250% | No | 2 | 24 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 37.26 |  | Yes | No |  |  |  | $0.00 | $23057.30 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34385136 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $286.04 | $9279.05 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10870.29 | 1 | $8090.28 | $3717.36 | $674.19 | $309.78 |  |  |  |  |  | 48.815% | 48.815% | 48.815% | 12/XX/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $286.04 |  | XXXX | $15000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $587520.05 | 30.520% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.89 |  |  | No |  |  |  | $0.00 | $6875.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37723259 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11191.00 | $13687.43 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17862.81 | 1 | $7066.20 | $9625.56 | $588.85 | $802.13 |  |  |  |  |  | 37.353% | 37.353% | 37.353% | 3/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11191.00 |  | XXXX | $20000.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $851003.27 | 72.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.65 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33247615 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $3501.00 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16837.21 | 1 | $10300.68 | $6981.96 | $858.39 | $581.83 |  |  |  |  |  | 36.517% | 36.517% | 36.517% | 2/XX/2026 | 821 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | XXXX | $0.00 | 2.7 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $174414.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 25.95 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32560701 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2099.50 | $6209.30 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4584.75 | 1 | $1161.48 | $1876.08 | $96.79 | $156.34 |  |  |  |  |  | 49.557% | 49.557% | 49.557% | 2/XX/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2099.50 |  | XXXX | $12500.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $22083.80 | 7.240% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.31 |  | No | No |  |  |  | $0.00 | $3894.82 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30465404 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17136.00 | $17136.00 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25741.58 | 1 | $5377.08 | $4382.04 | $448.09 | $365.17 |  |  |  |  |  | 31.668% | 31.668% | 31.668% | 2/XX/2026 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $17136.00 |  | XXXX | $38000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $80888.45 | 4.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.75 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39140743 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8349.00 | $9069.88 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17794.41 | 1 | $7931.64 | $1340.28 | $660.97 | $111.69 |  |  |  |  |  | 30.671% | 30.671% | 30.671% | 2/XX/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8349.00 |  | XXXX | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $207621.46 | 32.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.6 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34506740 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13503.60 | $15365.58 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $5591.95 | 1 | $7356.12 | $1220.16 | $613.01 | $101.68 |  |  |  |  |  | 41.928% | 41.928% | 41.928% | 3/XX/2026 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13503.60 |  | XXXX | $0.00 |  | LP / LPA | Yes | Accept/Eligible | No | No | XXXX | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $26343.44 |  | No | 25 | 14 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 0.2 |  |  | No |  |  |  | $0.00 | $2739.31 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39689678 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1690.00 | $5765.14 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10662.55 | 1 | $2050.08 | $1617.72 | $170.84 | $134.81 |  |  |  |  |  | 23.308% | 23.308% | 23.308% | 2/XX/2026 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1690.00 |  | XXXX | $0.00 | 3.3 | DU |  | ApproveEligible | No | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $695993.40 | 100.000% | No | 13 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 302.4 |  | No | No |  |  |  | $2457.80 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35128827 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1595.00 | $2867.88 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10826.04 | 1 | $3870.24 | $1467.36 | $322.52 | $122.28 |  |  |  |  |  | 39.646% | 39.646% | 39.646% | 1/XX/2026 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1595.00 |  | XXXX | $6836.80 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $279250.77 | 81.690% | No | 12 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.22 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39029401 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15970.00 | $20779.92 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11891.42 | 1 | $10410.60 | $3302.04 | $867.55 | $275.17 |  |  |  |  |  | 41.840% | 41.840% | 41.840% | 2/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15970.00 |  | XXXX | $0.00 | 1.7 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 2 |  | 0 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  | 360 | Not Stated |  |  |  | 4/XX/2056 | $4154114.31 | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple |  | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.95 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31730245 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8232.00 | $11387.85 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6911.87 | 1 | $7729.92 | $2115.00 | $644.16 | $176.25 |  |  |  |  |  | 41.359% | 41.359% | 41.359% | 2/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8232.00 |  | XXXX | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $41286.12 |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.94 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32488608 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $5438.30 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13909.92 | 1 | $16032.60 | $2453.04 | $1336.05 | $204.42 |  |  |  |  |  | 36.603% | 36.603% | 36.603% | 1/XX/2026 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1890.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $36856.10 |  | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.27 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30923607 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4408.25 | $5158.22 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23533.82 | 1 | $23300.64 | $2597.04 | $1941.72 | $216.42 |  |  |  |  |  | 41.098% | 41.098% | 41.098% | 10/XX/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4408.25 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $320399.22 | 30.990% | No | 33 | 13 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.56 |  | Yes | No |  |  |  | $0.00 | $10659.04 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31495099 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1219.95 | $7322.04 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27770.97 | 1 | $31307.28 | $3498.96 | $2608.94 | $291.58 |  |  |  |  |  | 49.183% | 49.183% | 49.183% | 1/XX/2026 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1219.95 |  | XXXX | $5000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $450205.15 | 22.960% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.63 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31465330 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4648.00 | $6930.48 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15094.00 | 1 | $4798.32 | $3733.32 | $399.86 | $311.11 |  |  |  |  |  | 41.797% | 41.797% | 41.797% | 12/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2022 | [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4648.00 |  | XXXX | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 4 | 2 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1069401.46 | 64.810% | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.56 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37244721 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1500.00 | $5452.94 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23147.60 | 1 | $21045.96 | $4242.96 | $1753.83 | $353.58 |  |  |  |  |  | 48.414% | 48.414% | 48.414% | 11/XX/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2026<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 Transcript - No Results Returned - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1500.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $3992665.92 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 193.26 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32373612 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5237.45 | $7809.11 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10822.77 | 1 | $2279.88 | $7774.08 | $189.99 | $647.84 |  |  |  |  |  | 39.797% | 39.797% | 39.797% | 10/XX/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5237.45 |  | XXXX | $18000.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $179029.89 | 40.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.51 |  | No | No |  |  |  | $4142.84 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37640264 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10905.00 | $16512.63 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16075.22 | 1 | $18139.68 | $5366.04 | $1511.64 | $447.17 |  |  |  |  |  | 45.783% | 45.783% | 45.783% | 2/XX/2026 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Account Statements - 2026<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Deposit Receipt - 2026<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Child Support Order - 2021<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Other - 2013 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10905.00 |  | XXXX | $17000.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $441516.65 | 24.970% | No | 29 | 25 |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee |  | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 32.02 |  | Yes | No |  |  |  | $2000.00 | $8082.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39812523 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8333.06 | $9885.69 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15985.48 | 1 | $9997.08 | $429.96 | $833.09 | $35.83 |  |  |  |  |  | 36.058% | 36.058% | 36.058% | 2/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8333.06 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $433640.73 | 55.560% | No |  |  |  |  | Yes | Commitment | Fee Simple |  | Individually and as Trustee |  | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 48.07 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35369932 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5655.00 | $6396.15 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15456.11 | 1 | $1989.00 | $681.00 | $165.75 | $56.75 |  |  |  |  |  | 35.318% | 35.318% | 35.318% | 1/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5655.00 |  | XXXX | $5676.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | XXXX | 3 | 3 | 0 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $145601.04 | 46.660% | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 47.89 |  | No | No |  |  |  | $0.00 | $7750.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30205471 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2165.00 | $2511.88 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10490.46 | 1 | $13517.88 | $1745.04 | $1126.49 | $145.42 |  |  |  |  |  | 44.727% | 44.727% | 44.727% | 12/XX/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2165.00 |  | XXXX | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  | UTD | No |  | Not Stated |  |  |  | 3/XX/2056 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  |  |  | $0.00 | $3750.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30072149 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3895.61 | $3852.47 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10241.44 | 1 | $4769.16 | $1050.96 | $397.43 | $87.58 |  |  |  |  |  | 45.013% | 45.013% | 45.013% | 2/XX/2026 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3895.61 |  | XXXX | $0.00 | 1.6 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 1 |  | 2 | 0 | 7 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $314572.08 | 28.580% | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.54 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34707704 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2648.00 | $6678.83 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11914.23 | 1 | $11373.48 | $1937.04 | $947.79 | $161.42 |  |  |  |  |  | 43.553% | 43.553% | 43.553% | 2/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2026<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2648.00 |  | XXXX | $10000.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $708524.74 | 54.500% | No |  |  |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee |  | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 46.64 |  | No | No |  |  |  | $17039.68 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34899032 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1750.00 | $4049.94 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17958.41 | 1 | $3085.44 | $4941.00 | $257.12 | $411.75 |  |  |  |  |  | 43.574% | 43.574% | 43.574% | 3/XX/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1750.00 |  | XXXX | $0.00 | 1.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $854892.97 | 65.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.04 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34086380 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $651.93 |  | XXXX | XXXX | XXXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13079.90 | 1 | $27061.56 | $2656.92 | $2255.13 | $221.41 |  |  |  |  |  | 45.500% | 45.500% | 45.500% | 1/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | XXXX | $0.00 | 4.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1003851.38 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.17 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30280639 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2724.20 | $5106.64 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6555.15 | 1 | $3631.32 | $1425.96 | $302.61 | $118.83 |  |  |  |  |  | 32.188% | 32.188% | 32.188% | 1/XX/2026 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2724.20 |  | XXXX | $0.00 | 1.8 | DU |  | ApproveEligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $88550.63 | 32.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.25 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39470550 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1690.00 | $2056.71 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27450.96 | 1 | $28952.04 | $1567.08 | $2412.67 | $130.59 |  |  |  |  |  | 27.298% | 27.298% | 27.298% | 2/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1690.00 |  | XXXX | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $61250.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 6.65 |  |  | No |  |  |  | $0.00 | $16091.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35227965 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2290.00 | $25048.63 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $56353.70 | 1 | $31108.80 | $6742.08 | $2592.40 | $561.84 |  |  |  |  |  | 26.813% | 26.813% | 26.813% | 1/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2290.00 |  | XXXX | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1571152.69 | 78.590% | No |  | 11 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 87.95 |  | Yes | No |  |  |  | $0.00 | $16666.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33416662 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $6610.21 |  | XXXX | XXXX | XXXX | XXXX | No | No | Not Employed | Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $13804.42 | 1 | $20390.64 | $2665.68 | $1699.22 | $222.14 |  |  |  |  |  | 41.159% | 41.159% | 41.159% | 2/XX/2026 | 800 | 803 | 797 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | XXXX | $15000.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1629971.44 | 100.000% | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | 135.6 |  | No | No |  |  |  | $9273.19 | $12489.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38596002 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1490.00 | $2619.85 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10266.65 | 1 | $11816.28 | $3125.04 | $984.69 | $260.42 |  |  |  |  |  | 45.552% | 45.552% | 45.552% | 2/XX/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1490.00 |  | XXXX | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 3 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $281785.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple |  | Individually and as Trustee |  | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 33.66 |  |  | No |  |  |  | $0.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37021408 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2115.00 | $14843.87 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12620.10 | 1 | $15624.96 | $1622.40 | $1302.08 | $135.20 |  |  |  |  |  | 49.795% | 49.795% | 49.795% | 3/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2115.00 |  | XXXX | $0.00 | 3.8 | DU |  | ApproveEligible | No | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $486169.22 | 38.890% | No | 26 | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 27.09 |  | Yes | No |  |  |  | $0.00 | $22191.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35047361 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $7031.44 |  | XXXX | XXXX | XXXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9166.17 | 1 | $14210.04 | $4883.52 | $1184.17 | $406.96 |  |  |  |  |  | 47.526% | 47.526% | 47.526% | 1/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | XXXX | $0.00 | 1.0 | DU |  | ApproveEligible | No | No | XXXX | 0 | 0 | 3 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $199522.71 |  | No | 3 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.09 |  |  | No |  |  |  | $7884.53 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36061076 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $12071.08 |  | XXXX | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33990.99 | 1 | $31854.36 | $5110.08 | $2654.53 | $425.84 |  |  |  |  |  | 36.536% | 36.536% | 36.536% | 2/XX/2026 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | XXXX | $0.00 | 3.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $339546.24 |  | No |  | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 19.48 |  | No | No |  |  |  | $0.00 | $26166.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |

---

## Exhibit 99.1

![](situs_logo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Data Compare Summary (Total)**<br>**Run Date - 4/28/2026 3:52:48 PM** | | | | |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 0 | 180 | 0.00% | 184 |
| City | 0 | 184 | 0.00% | 184 |
| State | 0 | 184 | 0.00% | 184 |
| Zip | 0 | 184 | 0.00% | 184 |
| Borrower First Name | 0 | 180 | 0.00% | 184 |
| Borrower Last Name | 0 | 180 | 0.00% | 184 |
| Borrower SSN | 0 | 180 | 0.00% | 184 |
| Original Loan Amount | 0 | 184 | 0.00% | 184 |
| Original Interest Rate | 0 | 183 | 0.00% | 184 |
| Representative FICO | 0 | 184 | 0.00% | 184 |
| Property Type | 0 | 184 | 0.00% | 184 |
| Occupancy | 0 | 184 | 0.00% | 184 |
| Purpose | 0 | 184 | 0.00% | 184 |
| Balloon Flag | 0 | 180 | 0.00% | 184 |
| Original CLTV | 1 | 184 | 0.54% | 184 |
| Original LTV | 1 | 184 | 0.54% | 184 |
| Lender | 0 | 180 | 0.00% | 184 |
| Product Description | 0 | 180 | 0.00% | 184 |
| Originator Loan Designation | 0 | 180 | 0.00% | 184 |
| Investor: Qualifying Total Debt Ratio | 0 | 184 | 0.00% | 184 |
| PITIA Reserves Months | 0 | 115 | 0.00% | 184 |
| Refi Purpose | 0 | 21 | 0.00% | 184 |
| Note Date | 2 | 4 | 50.00% | 184 |
| Original Term | 0 | 4 | 0.00% | 184 |
| Maturity Date | 3 | 4 | 75.00% | 184 |
| Amortization Type | 0 | 4 | 0.00% | 184 |
| Appraised Value | 1 | 4 | 25.00% | 184 |
| # of Units | 0 | 4 | 0.00% | 184 |
| Originator Application Date | 0 | 3 | 0.00% | 184 |
| **Total** | **8** | **3810** | **0.21%** | **184** |

---

## Exhibit 99.2

![](clayton_logo.gif)

GSMBS 2026-PJ7<br>

![](clayton_cover.jpg)

### April 29, 2026 <br> Due Diligence Narrative Report

------

![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

| | |
|:---|:---|
| **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* | *3* |
| &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 | 4 |
| &nbsp;&nbsp;&nbsp; *Data Integrity* | *6* |
| &nbsp;&nbsp;&nbsp; *Data Capture* | *7* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **7** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 1 April 29, 2026

------

![](clayton_logo.gif)

CLAYTON CONTACT INFORMATION

#### Client Service Management:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ![](clayton_bullet.gif)  | **Ralph Fox**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Client Services Senior Director |

---

Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u>

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ![](clayton_bullet.gif)  | **Joe Ozment**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Vice President – Client Services & Securitization<br>|

---

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

OVERVIEW

On behalf of Goldman Sachs Mortgage Company, Clayton conducted an independent third-party pre-securitization due diligence review of 52 residential loans. The results for the loans reviewed were selected for the GSMBS 2026-PJ7 transaction.

The loans referenced in this narrative report were reviewed in March 2026 through April 2026 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Retail | 52 | 100.00% |
| **Total** | **52** | **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<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

SAMPLING

For all originators in this transaction, 100.00% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| *Review Type*<br>| *Loan Count*<br> *Reviewed by Clayton*<br>| *Scope Applied*<br>|
| Full Review<br>| 52<br>| Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope".<br>|
| Total Loan Population<br>| 52<br>|  |

---

SPONSOR ACQUISITION CRITERIA

Clayton was supplied with the guidelines in advance of our review. The subject loans were reviewed to the Originators guidelines.

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 Moody's, Standard and Poor's, Fitch, Kroll and DBRS.

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.

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 2 April 29, 2026

------

![](clayton_logo.gif)

CREDIT REVIEW

Clayton's Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to [Appendix A](#z_Appendix_A:_Credit) and to the guidelines cited above):

<br> ◾ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition Criteria cited above;

<br> ◾ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;

<br> ◾ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;

<br> ◾ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

<br> ◾ Evaluated evidence of borrower's willingness and ability to repay the obligation;

---

| | |
|:---|:---|
| ◾ | Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was already in the loan file for Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly. |

---

PROPERTY VALUATION REVIEW

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

<br> ◾ Original Appraisal Assessment

<br> - 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 [Appendix B](#z_Appendix_B:_Origination) and to the guidelines cited above.<br>

<br> ◾ Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product. A Desk Review, AVM or a 2<sup>nd</sup> full origination appraisal was used to reconcile the original appraisal within a -10% variance.

Clayton had independent access to all products, as listed in Clayton valuations report.

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 [Appendix C](#z_Appendix_C:_Regulatory) and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

<u>Compliance Review (full scope)</u>

The scope of the compliance review performed is summarized below:

<br> ◾ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

<br> ◾ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

<br> ◾ Truth-in-lending/regulation Z (TILA) testing included the following:

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 3 April 29, 2026

------

![](clayton_logo.gif)

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

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

<br> - TIL APR and Finance charge tolerances;

<br> - Timeliness of ARM Disclosures (if applicable);

<br> - Section 32 APR and Points and Fees Thresholds and prohibited practices;

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

<br> - 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;<br>

---

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

<br> - 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.<br>

<br> ◾ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

<br> - GFE initial disclosure timing and content;

<br> - Confirmed the file contains the final HUD1 Settlement Statement;

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

<br> - Homeownership Counseling Notice;

<br> - Affiliated Business Disclosure if applicable.

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

On, June 15th, 2016 SFA 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 SFA'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 SFA 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.

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 4 April 29, 2026

------

![](clayton_logo.gif)

<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:

<br> • Cook County High Cost Ordinance

<br> • 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

<br> • Virginia Lender and Broker Act after 6/1/2008

<br> • 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)

<br> • Sufficiency of coverage

<br> • Escrow of insurance payments

DATA INTEGRITY

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

<br> ◾ Tape data received from lender/client is stored in eCLAS;

<br> ◾ Loan Reviewer collects validated loan data in eCLAS;

<br> ◾ Each received data point is compared to its counterpart collected data point;

<br> ◾ Discrepancies found during comparison are stored

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 5 April 29, 2026

------

![](clayton_logo.gif)

DATA CAPTURE

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4. data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

DATA COMPARE RESULTS

Clayton provided Goldman Sachs 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** |
| Combined LTV | 5 | 90.38% |
| Debt to Income Ratio (Back) | 7 | 86.54% |
| First Payment Date | 2 | 96.15% |
| Maturity Date | 51 | 1.92% |
| Note Rate | 2 | 96.15% |
| Original Appraisal Date | 17 | 67.31% |
| Original Appraised Value | 10 | 80.77% |
| Original Balance | 8 | 84.62% |
| Original LTV | 5 | 90.38% |
| Origination Date | 5 | 90.38% |
| Product Type | 1 | 98.08% |
| Property Type | 4 | 92.31% |
| Representative Credit Score for Grading | 2 | 96.15% |

---

CLAYTON DUE DILIGENCE RESULTS

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

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 6 April 29, 2026

------

![](clayton_logo.gif)

#### Initial and Final Overall Loan Grade Results

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Initial** | **Initial** | **Initial** | **Initial** |  |
| | **A** | **B** | **C** | **D** | **Total** |
| **Final**<br> **A** | **39** | 1 | 2 | 6 | **48** |
| **B** |  | **1** | 3 |  | **4** |
| **C** |  |  |  |  |  |
| **D** |  |  |  |  |  |
| **Total** | **39** | **2** | **5** | **6** | **52** |

---

\*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

#### <br>

**---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | Initial  | Initial  | Initial  | Initial  |  |
| | A | B | C | D | Total |
| Final<br> A | 46 |  | 1 | 4 | 51 |
| B |  | 1 |  |  | 1 |
| C |  |  |  |  |  |
| D |  |  |  |  |  |
| Total | 46 | 1 | 1 | 4 | 52 |

---

**

#### Initial and Final Property Valuation Grade Results

#### <br>

**---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | Initial  | Initial  | Initial  | Initial  |  |
| | A | B | C | D | Total |
| Final<br> A | 52 |  |  |  | 52 |
| B |  |  |  |  |  |
| C |  |  |  |  |  |
| D |  |  |  |  |  |
| Total | 52 |  |  |  | 52 |

---

**

#### Initial and Final Regulatory Compliance Grade Results

#### &nbsp;&nbsp;&nbsp;&nbsp; <br>

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Initial**  | **Initial**  | **Initial**  | **Initial**  |  |
| | **A** | **B** | **C** | **D** | **Total** |
| **Final**<br> **A** | 41 | 1 | 2 | 5 | **49** |
| **B** |  |  | 3 |  | **3** |
| **C** |  |  |  |  |  |
| **D** |  |  |  |  |  |
| **Total** | **41** | **1** | **5** | **5** | **52** |

---

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 7 April 29, 2026

------

![](clayton_logo.gif)

CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Conditions Report

<br> 3. Loan Level Tape Compare Upload

<br> 4. Valuations Summary Report

<br> 5. Attestation Forms

<br> 6. ASF Upload

<br> 7. Rating Agency ATR/QM Data Fields

<br> 8. Waived Conditions Summary

<br> 9. Non-ATR QM Upload

<br> 10. Standard Upload

#### APPENDIX A: CREDIT REVIEW SCOPE
For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

<br> o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

<br> o Borrower eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Citizenship status

-&nbsp;&nbsp;&nbsp;&nbsp;Non- occupant co-borrower

<br> o Transaction eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Maximum loan amount

-&nbsp;&nbsp;&nbsp;&nbsp;Loan purpose

-&nbsp;&nbsp;&nbsp;&nbsp;Occupancy

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

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

<br> o Uniform Residential Loan Application reviewed to determine:

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

<br> - Final loan application was in the loan file and was complete

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

<br> o Employment analyzed and verified through use of various documents, including:

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 8 April 29, 2026

------

![](clayton_logo.gif)

<br> - Income documentation

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

<br> - CPA letter

<br> - Business licenses

<br> - Tax transcripts (IRS Form 4506-T)

<br> - Other documentation in loan file

<br> o Income review included:

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

<br> - Documents did not appear to have been altered or inconsistent

<br> - IRS Form 4506-T

<br> ◾ Signed by all borrowers and processed by the originator

<br> ◾ Compared IRS tax transcripts to income documentation and noted any inconsistencies

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

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

<br> ◾ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

<br> ◾ Other documentation in loan file

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

<br> o Credit Report review included:

<br> - Complete copy of report was in loan file

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

<br> - Checked any fraud alerts against related loan file documentation

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

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

<br> - Captured and utilized appropriate credit score for guideline review

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 9 April 29, 2026

------

![](clayton_logo.gif)

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

<br> - Appropriate vestee(s) were listed on title policy

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

<br> - Applicable title endorsements were present

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

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

<br> - Captured monthly tax payments in debt ratio calculation

<br> o HUD1 (Settlement Statement) review included:

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

<br> - Seller contributions did not exceed maximum allowed

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

<br> - Disbursements and pay-offs included in debt ratio calculations

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

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

<br> - Confirmed that any required insurance was for the:

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

<br> ◾ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period<br>

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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:

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 10 April 29, 2026

------

![](clayton_logo.gif)

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

#### APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT
For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

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

<br> o Appraisal report used standard GSE forms, appropriate to the property type:

<br> - 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)

<br> - 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)

<br> - 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

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

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

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

<br> o Appraisal report was reasonably complete and included:

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

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

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

<br> - All required attachments including:

<br> ◾ Subject front, rear and street photos and valued features

<br> ◾ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

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

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

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

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 11 April 29, 2026

------

![](clayton_logo.gif)

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

<br> o Title XI of FIRREA:

<br> - 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

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

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

<br> o USPAP

<br> - 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.

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

<br> o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

<br> - 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.<br>

---

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

---

<br> o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

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

<br> - Property usage was reviewed for zoning compliance

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

<br> - Neighborhood values were reviewed to determine if declining

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

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

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

<br> - Style of property was reviewed to determine if unique property

<br> - Any health and safety issues were noted and/or remediated

<br> - Locational and/or environmental concerns adequately addressed if present

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 12 April 29, 2026

------

![](clayton_logo.gif)

&nbsp;&nbsp;&nbsp;&nbsp;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:

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

<br> o Properties subject to existing oil or gas leases

<br> o Properties located in Hawaii Lava Zones 1 and 2

<br> o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

&nbsp;&nbsp;&nbsp;&nbsp;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;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. |

---

&nbsp;&nbsp;&nbsp;&nbsp;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. |

---

<br> 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

<br> o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

<br> 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.

<br> o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

&nbsp;&nbsp;&nbsp;&nbsp;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 insure 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. |

---

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 13 April 29, 2026

------

![](clayton_logo.gif)

#### 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.

#### Federal Law

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

<br> 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

<br> o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

<br> 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

<br> 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;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. |

---

<br> 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

<br> 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

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

---

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

---

<br> 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

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

<br> o High Cost mortgage thresholds for points and fees (Section 32)

<br> o High Cost Prohibited Acts and Practices upon request (Section 33)

<br> o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

<br> 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;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) |

---

<br> o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

<br> ◾ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure ("CD")

<br> ◾ Pre-application Requirement Testing:

<br> • Pre-application forms cannot look similar to the LE

<br> • 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").

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 14 April 29, 2026

------

![](clayton_logo.gif)

<br> ◾ Timing Requirements:

<br> • The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

• 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.

<br> • 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.

<br> ◾ Fee Tolerances:

• Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

<br> • If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

<br> ◾ Payment Schedule Accuracy:

<br> • The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

<br> • Interest-only periods and final balloon payments are accurately completed.

• The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

<br> • When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

<br> ◾ Accuracy of the Loan Calculations

• Amount Financed

<br> • Finance Charge

• Total of Payments

• Total interest percentage

<br> ◾ Technical Requirements

<br> • Compliance with the TRID rounding rules.

<br> • Compliance with specified formatting requirements.

<br> • Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

<br> • Alphabetization of fees.

<br> • Title fees preceded by "Title –."

<br> • Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 15 April 29, 2026

------

![](clayton_logo.gif)

<br> ◾ Consistency within and across forms

<br> • Once a fee is disclosed it must remain substantially the same name across disclosures.

• 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.

• 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.

• Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

<br> ◾ Completion of the LE and CD

<br> • 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.

<br> • For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

<br> • That there is either a signature or a Loan Acceptance statement on the form.

<br> ◾ Waivers

<br> • 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.

<br> ◾ Corrected CD requiring a new waiting period

• 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.

<br> • Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

<br> • Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

<br> ◾ Post-Close CD's

<br> • Corrected CD's provided with a post-close refund.

<br> • Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

<br> • Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

<br> ◾ Related Documentation

<br> • Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

<br> • Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

<br> • Affiliated Business Disclosure (can impact fee tolerances)

<br> ◾ Outside of Clayton's default TRID scope:

<br> • 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.

<br> • Whether the Liability after Foreclosure selection is correct for the property state.

• Accuracy of the Aggregate Adjustment amount.

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 16 April 29, 2026

------

![](clayton_logo.gif)

<br> • Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

<br> • 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.

&nbsp;&nbsp;&nbsp;&nbsp;**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

&nbsp;&nbsp;&nbsp;&nbsp;**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

#### STATE, COUNTY and MUNICIPAL LAW

&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| California | Maryland | New York |
| Connecticut | Massachusetts (subprime ARMS to first time homebuyers) | North Carolina |
| Maine | Minnesota | |

---

&nbsp;&nbsp;&nbsp;&nbsp;**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 17 April 29, 2026

------

![](clayton_logo.gif)

---

| | | |
|:---|:---|:---|
| **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 | |

---

&nbsp;&nbsp;&nbsp;&nbsp;**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:

<br> • Minnesota (Mortgage Originator and Service Licensing Act)

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

<br> • West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

&nbsp;&nbsp;&nbsp;&nbsp;**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 | |

---

&nbsp;&nbsp;&nbsp;&nbsp;**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:

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 18 April 29, 2026

------

![](clayton_logo.gif)

---

| | |
|:---|:---|
| **Consumer Protection** | **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:

&nbsp;&nbsp;&nbsp;&nbsp;**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.

#### GSE Testing
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.)

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 19 April 29, 2026

------

![](clayton_logo.gif)

#### Disclaimer
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.

<br>© 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC <br>

------

GSMBS 2026-PJ7 Due Diligence Narrative Report Page \| 20 April 29, 2026

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2026-PJ7** |
| **Start - End Dates:** | **3/19/2026 - 4/6/2026** |
| **Deal Loan Count:** | **52** |
| **Rating Agency ATR QM Data Fields** |  |
| *Loans in Report:* | *52* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 640EAF41-A639-40E0-A945-74CE0810A0AD | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4579 | XXXXXX | XXXX | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| A9DB8B4B-F582-4873-BDBA-27AF78A5AACA | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 173784BE-22B4-442A-8ADE-FB1309B70457 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 11FB5F02-3901-47B5-9A48-DE85BBDD1EED | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 13536.48 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| FEA89F0C-0379-4EC0-8832-2B9E632F7E6C | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 4C353759-B084-4CB7-AB77-CAFB5C48296A | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2715 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 336480DF-2AC0-4BDB-95BB-A9859D64D510 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2715 | XXXXXX | XXXX | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 23ED0264-F5D0-4250-9881-F267DC7F8EC0 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2970 | XXXXXX | XXXX | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| C4835B52-5651-4825-AB41-F2DB2BFB6850 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| E7420C41-3B1E-407D-B8BF-9EBA93394148 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 474897A4-D2E8-4E80-84A6-83A58557EE65 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2825 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 8D265EC1-480D-4B42-88A2-B9885FF8DA5D | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| 3DC8ED09-46D0-41BE-8E05-84FFF09DCA50 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2715 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| F19A5322-624A-4F6E-ACB6-1AF3B9317A42 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1806 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| E169592B-4143-4303-BFE7-85FADA39EFDB | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3270 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 82DB7D94-58BB-4D13-BD0F-368E522C511B | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1750 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| D8348D3C-BF89-4ED6-B8BD-ABDAD9B952A2 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9EA1F2C8-6750-4620-9963-97B07F6E081A | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 7B60B0A7-8AD7-40A0-935E-E10794C3534D | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1575 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| BA4D085D-06E6-4EE1-A02D-9C8E355FDE77 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1529 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 5EFBA485-547B-4DFE-8ECC-62C782F871AD | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 3034D9F8-FCF2-4B7C-9313-29309DF670EF | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | XXXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 4C5229D1-2B71-4EF0-86B4-8E378CFA003F | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | XXXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| C52B3BC4-753D-4316-B19D-593498BA5FEB | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2B9A95BD-F47E-4861-BF96-82B2AD009BA1 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1650 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| B84CD105-2B19-4797-A94E-4C2ED081CCBC | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1650 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| C167C1FF-7112-4783-8849-AFA13DD1415F | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1670 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| FA688933-B2AC-4331-ACFD-46A79A3F4397 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1590 | XXXXXX | XXXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 89589A19-9FAF-4884-BDC4-62EC66071AD2 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2770 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| E137FACE-63DD-49A8-A265-9ED85865BCEA | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1650 | XXXXXX | XXXX | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| 521BF5CB-FF6E-42CF-A2A6-18E99C61484B | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1640 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| E8523E01-2A99-4568-AB17-033027483649 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 510CCF07-4484-439A-AEF0-AA130ABF55DA | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1650 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 4E810694-9529-4DC8-9688-156F2A6F831B | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2245.2 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 928AE378-AF71-484D-A613-B1636BE5BC79 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1690 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9B13B66D-D4E7-461B-8B43-16F5EE7A19B4 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1540 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 749B0605-BF0C-4413-B506-C9F9797D3B32 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 740E660A-6C43-4323-8C8D-1308643DF136 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 1ACCC855-80DE-460A-88EB-53562144A235 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1250 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| EE4AECEF-FA1B-45E8-8401-061D7709532D | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1590 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| EB588554-5E07-405C-A294-167039D92CF9 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1640 | XXXXXX | XXXX | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7F5C8755-FD2A-4804-9847-F10FCA957815 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| F0407586-4015-4E07-8356-0963BC48997E | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1650 | XXXXXX | XXXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 1F9DB682-B092-46A8-AAB1-F5469B523D1F | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 1FD17F32-7370-4761-9AA5-6AD555520BB6 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| BF98A7A2-5038-40E7-9401-5544F4EC27E3 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1563.45 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 85E7F66D-92B6-43E2-820F-845F28054928 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 40003405-C83F-4E30-B82F-47791F4B3175 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1650 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| D1DCDCA1-7360-4233-A2AC-F28BA5095196 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1650 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 5AC7123E-8F13-4852-8FB5-D2145E33501E | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1640 | XXXXXX | XXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

## Exhibit 99.2

---

| |
|:---|
| **Client Name:** |
| **Client Project Name:** |
| **Start - End Dates:** |
| **Deal Loan Count:** |
| **ATR QM Upload** |
| *Loans in Report:* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **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** |
| 640EAF41-A639-40E0-A945-74CE0810A0AD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | 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 | 5.9132 | Yes | Yes | 0.209 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.85 | 21.57 | 23.85 | 21.57 | 21.57 | 21.57 | No | No | (No Data) | 55119.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | Work Visa | Employment Authorization Document | (No Data) | (No Data) |
| A9DB8B4B-F582-4873-BDBA-27AF78A5AACA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0174 | Yes | Yes | 0.14 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.49 | 39.49 | 39.49 | 39.49 | 39.49 | 39.49 | No | No | (No Data) | 15733.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 25 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 173784BE-22B4-442A-8ADE-FB1309B70457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.6255 | No | No | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.34 | 45.34 | 45.34 | 45.34 | 45.34 | 45.34 | No | No | (No Data) | 14548.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 11FB5F02-3901-47B5-9A48-DE85BBDD1EED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2238 | Yes | Yes | 1.346 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.38 | 22.41 | 22.38 | 22.41 | 22.41 | 22.41 | No | No | (No Data) | 57766.2 | 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) | Yes | 12 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> CPA Letter - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| FEA89F0C-0379-4EC0-8832-2B9E632F7E6C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1170 | Yes | Yes | 0 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.31 | 33.84 | 33.31 | 33.84 | 33.84 | 33.84 | No | No | (No Data) | 16082.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 4C353759-B084-4CB7-AB77-CAFB5C48296A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8972 | No | No | 0.288 | 0.288 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.34 | 47.29 | 47.34 | 47.29 | 47.29 | 47.29 | No | No | (No Data) | 8222.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 41 | 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> Verbal VOE with Income - 41 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 336480DF-2AC0-4BDB-95BB-A9859D64D510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8999 | Yes | Yes | 0.319 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.7 | 29.7 | 29.7 | 29.7 | 29.7 | 29.7 | No | No | (No Data) | 25438.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 23ED0264-F5D0-4250-9881-F267DC7F8EC0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.6895 | No | No | 0.199 | 0.199 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.75 | 48.75 | 48.75 | 48.75 | 48.75 | 48.75 | No | No | (No Data) | 10858.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 141 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 141 months | 1099 - 12 months;<br> Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C4835B52-5651-4825-AB41-F2DB2BFB6850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7642 | No | No | 0.108 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.14 | 46.52 | 46.14 | 46.52 | 46.52 | 46.52 | No | No | (No Data) | 14765.95 | 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 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E7420C41-3B1E-407D-B8BF-9EBA93394148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8955 | Yes | Yes | 0.17 | 0.495 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.19 | 31.19 | 31.19 | 31.19 | 31.19 | 31.19 | No | No | (No Data) | 35122.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 86 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 12 months;<br> Written VOE - 86 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8746 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.68 | 29.71 | 29.68 | 29.71 | 29.71 | 29.71 | No | No | (No Data) | 46838.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 474897A4-D2E8-4E80-84A6-83A58557EE65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9048 | No | No | 0.273 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.09 | 44.09 | 44.09 | 44.09 | 44.09 | 44.09 | No | No | (No Data) | 13494.8 | 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 | FMNA 1005 | 24 | 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 | (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 | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8D265EC1-480D-4B42-88A2-B9885FF8DA5D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | Permanent Resident Alien | (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 | 5.6482 | Yes | Yes | 0.189 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.04 | 27.04 | 27.04 | 27.04 | 27.04 | 27.04 | No | No | (No Data) | 19085.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 26 | Yes | Independent Third Party (The Work Number, Equifax etc) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 2 months;<br> W2 - 24 months;<br> Written VOE - 26 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 3DC8ED09-46D0-41BE-8E05-84FFF09DCA50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9005 | Yes | Yes | 0.326 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.92 | 34.2 | 33.92 | 34.2 | 34.2 | 34.2 | No | No | (No Data) | 13540.46 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| F19A5322-624A-4F6E-ACB6-1AF3B9317A42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Not Provided | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8802 | Yes | Yes | 0.153 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.2 | 28.2 | 28.2 | 28.2 | 28.2 | 28.2 | No | No | (No Data) | 24023.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E169592B-4143-4303-BFE7-85FADA39EFDB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7633 | No | No | 0.208 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.98 | 49.86 | 59.98 | 49.86 | 49.86 | 49.86 | No | No | (No Data) | 12459.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 82DB7D94-58BB-4D13-BD0F-368E522C511B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0237 | Yes | No | 0.181 | 0.181 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.15 | 34.02 | 43.15 | 34.02 | 34.02 | 34.02 | No | No | (No Data) | 42616.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| D8348D3C-BF89-4ED6-B8BD-ABDAD9B952A2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1483 | Yes | Yes | 0.177 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.85 | 35.2 | 34.85 | 35.2 | 35.2 | 35.2 | No | No | (No Data) | 12926.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9EA1F2C8-6750-4620-9963-97B07F6E081A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8764 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.22 | 28.64 | 28.22 | 28.64 | 28.64 | 28.64 | No | No | (No Data) | 75488.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7B60B0A7-8AD7-40A0-935E-E10794C3534D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8781 | Yes | Yes | 0.097 | 0.097 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.31 | 38.18 | 38.31 | 38.18 | 38.18 | 38.18 | No | No | (No Data) | 27951.18 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| BA4D085D-06E6-4EE1-A02D-9C8E355FDE77 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2771 | Yes | Yes | 0.119 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.48 | 28.49 | 28.48 | 28.49 | 28.49 | 28.49 | No | No | (No Data) | 29880.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 5EFBA485-547B-4DFE-8ECC-62C782F871AD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9197 | Yes | Yes | 0.124 | 0.124 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.97 | 28.39 | 26.97 | 28.39 | 28.39 | 28.39 | No | No | (No Data) | 32312.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 162 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Other | 162 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 2 months;<br> Verbal VOE with Income - 162 months;<br> W2 - 24 months;<br> Written VOE - 162 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3034D9F8-FCF2-4B7C-9313-29309DF670EF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2561 | Yes | Yes | 0 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.39 | 37.39 | 37.39 | 37.39 | 37.39 | 37.39 | No | No | (No Data) | 17857.99 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 4C5229D1-2B71-4EF0-86B4-8E378CFA003F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1421 | Yes | Yes | 0.132 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.13 | 25.13 | 25.13 | 25.13 | 25.13 | 25.13 | No | No | (No Data) | 26133.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C52B3BC4-753D-4316-B19D-593498BA5FEB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1497 | Yes | Yes | 0.148 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.48 | 37.48 | 37.48 | 37.48 | 37.48 | 37.48 | No | No | (No Data) | 14455.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2B9A95BD-F47E-4861-BF96-82B2AD009BA1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7546 | No | No | 0.175 | 0.964 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.4 | 45.4 | 45.4 | 45.4 | 45.4 | 45.4 | No | No | (No Data) | 10306.67 | 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) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| B84CD105-2B19-4797-A94E-4C2ED081CCBC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8973 | Yes | Yes | 0.15 | 0.150 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.78 | 24.6 | 24.78 | 24.6 | 24.6 | 24.6 | No | No | (No Data) | 26407.03 | 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) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C167C1FF-7112-4783-8849-AFA13DD1415F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0197 | Yes | Yes | 0.131 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.81 | 36.81 | 36.81 | 36.81 | 36.81 | 36.81 | No | No | (No Data) | 16284.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 25 | Yes | FMNA 1005 | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 25 months | Paystub - 1 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| FA688933-B2AC-4331-ACFD-46A79A3F4397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 5.8510 | Yes | Yes | 0.127 | 0.127 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.33 | 42.33 | 42.33 | 42.33 | 42.33 | 42.33 | No | No | (No Data) | 24047.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 89589A19-9FAF-4884-BDC4-62EC66071AD2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8955 | No | No | 0.274 | 0.274 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.08 | 44.08 | 44.08 | 44.08 | 44.08 | 44.08 | No | No | (No Data) | 10300.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 236 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Lender Form | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Verbal VOE with Income - 236 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E137FACE-63DD-49A8-A265-9ED85865BCEA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0120 | Yes | No | 0.09 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.51 | 42.31 | 43.51 | 42.31 | 42.31 | 42.31 | No | No | (No Data) | 24648.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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 Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | 1-551 stamp | 1-551 stamp | (No Data) | (No Data) |
| 521BF5CB-FF6E-42CF-A2A6-18E99C61484B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8993 | Yes | Yes | 0.185 | 0.185 | 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 | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.36 | 31.84 | 28.36 | 31.84 | 31.84 | 31.84 | No | No | (No Data) | 13999.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E8523E01-2A99-4568-AB17-033027483649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9013 | Yes | Yes | 0.153 | 0.153 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.85 | 39.85 | 39.85 | 39.85 | 39.85 | 39.85 | No | No | (No Data) | 15025.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 510CCF07-4484-439A-AEF0-AA130ABF55DA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8893 | Yes | Yes | 0.107 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.39 | 34.46 | 35.39 | 34.46 | 34.46 | 34.46 | No | No | (No Data) | 26164.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 26 | Yes | Independent Third Party (The Work Number, Equifax etc) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 4E810694-9529-4DC8-9688-156F2A6F831B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0265 | Yes | Yes | 0.241 | 0.241 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.34 | 38.15 | 38.34 | 38.15 | 38.15 | 38.15 | No | No | (No Data) | 24443.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 928AE378-AF71-484D-A613-B1636BE5BC79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 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 | 5.8886 | Yes | Yes | 0.113 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.84 | 39.85 | 39.84 | 39.85 | 39.85 | 39.85 | No | No | (No Data) | 17259.29 | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9B13B66D-D4E7-461B-8B43-16F5EE7A19B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9064 | Yes | Yes | 0.172 | 0.172 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.62 | 42.62 | 42.62 | 42.62 | 42.62 | 42.62 | No | No | (No Data) | 11269.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 749B0605-BF0C-4413-B506-C9F9797D3B32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0291 | Yes | Yes | 0.133 | 0.186 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.35 | 30.35 | 30.35 | 30.35 | 30.35 | 30.35 | No | No | (No Data) | 26587.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 17 | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 17 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0000 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.27 | 25.15 | 25.27 | 25.15 | 25.15 | 25.15 | No | No | (No Data) | 50068.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 740E660A-6C43-4323-8C8D-1308643DF136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1227 | Yes | Yes | 0 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.51 | 28.51 | 28.51 | 28.51 | 28.51 | 28.51 | No | No | (No Data) | 24269.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1ACCC855-80DE-460A-88EB-53562144A235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0034 | Yes | No | 0.089 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.74 | 42.09 | 43.74 | 42.09 | 42.09 | 42.09 | No | No | (No Data) | 21836.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| EE4AECEF-FA1B-45E8-8401-061D7709532D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3900 | Yes | Yes | 0.112 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.64 | 40.64 | 40.64 | 40.64 | 40.63 | 40.64 | No | No | (No Data) | 21025.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| EB588554-5E07-405C-A294-167039D92CF9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8867 | Yes | Yes | 0.085 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.34 | 25.21 | 25.34 | 25.21 | 25.21 | 25.21 | No | No | (No Data) | 63815.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 13 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> P & L - 13 months;<br> 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) |
| 7F5C8755-FD2A-4804-9847-F10FCA957815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1268 | Yes | Yes | 0 | 0.176 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.61 | 35.61 | 35.61 | 35.61 | 35.61 | 35.61 | No | No | (No Data) | 29454.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| F0407586-4015-4E07-8356-0963BC48997E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Site Condo | 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 | 5.8970 | Yes | Yes | 0.167 | 0.167 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.15 | 40.15 | 40.15 | 40.15 | 40.15 | 40.15 | No | No | (No Data) | 12729.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | 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) | Yes | 42 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 43 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 42 months;<br> Written VOE - 43 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 1F9DB682-B092-46A8-AAB1-F5469B523D1F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2688 | Yes | Yes | 0.147 | 0.248 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.96 | 31.96 | 31.96 | 31.96 | 31.96 | 31.96 | No | No | (No Data) | 27271.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | 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) | Yes | 26 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 7 | Yes | Independent Third Party (The Work Number, Equifax etc) | 39 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 2 months;<br> Verbal VOE with Income - 26 months;<br> W2 - 24 months;<br> Written VOE - 7 months | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 39 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1FD17F32-7370-4761-9AA5-6AD555520BB6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7710 | Yes | Yes | 0.14 | 0.140 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.98 | 21.82 | 21.98 | 21.82 | 21.82 | 21.82 | No | No | (No Data) | 37394.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| BF98A7A2-5038-40E7-9401-5544F4EC27E3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1489 | Yes | Yes | 0.172 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.01 | 35.01 | 35.01 | 35.01 | 35.01 | 35.01 | No | No | (No Data) | 21934.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85E7F66D-92B6-43E2-820F-845F28054928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0060 | No | No | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.75 | 43.75 | 43.75 | 43.75 | 43.75 | 43.75 | No | No | (No Data) | 19452.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | 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) | Yes | Other | 40 | Yes | Other | 40 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 2 months;<br> W2 - 12 months;<br> Written VOE - 40 months | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 40 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 40003405-C83F-4E30-B82F-47791F4B3175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0190 | Yes | Yes | 0.136 | 0.136 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.64 | 42.53 | 42.64 | 42.53 | 42.53 | 42.53 | No | No | (No Data) | 19155.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| D1DCDCA1-7360-4233-A2AC-F28BA5095196 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8986 | Yes | Yes | 0.174 | 0.174 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.91 | 14.91 | 14.91 | 14.91 | 14.91 | 14.91 | No | No | (No Data) | 43026.59 | 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) | 51 | Yes | Independent Third Party (The Work Number, Equifax etc) | 50 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 51 months | Written VOE - 50 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 5AC7123E-8F13-4852-8FB5-D2145E33501E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7666 | No | No | 0.128 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.39 | 47.4 | 47.39 | 47.4 | 47.4 | 47.4 | No | No | (No Data) | 16346.73 | 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) | 25 | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 25 months | Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

---

| | | | |
|:---|:---|:---|:---|
| **Client Name:** |  |  |  |
| **Client Project Name:** | **GSMBS 2026-PJ7** |  |  |
| **Start - End Dates:** | **3/19/2026 - 4/6/2026** | **3/19/2026 - 4/6/2026** |  |
| **Deal Loan Count:** | **52** |  |  |
| **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** | *52* |  |  |
| ***Loans with Conditions:*** | *13* |  |  |
| **0 - Total Active Conditions** |  |  |  |
| **16 - Total Satisfied Conditions** |  |  |  |
|  |  | 5 - Credit Review Scope |  |
|  |  |  | 1 - Category: Credit/Mtg History |
|  |  |  | 1 - Category: DTI |
|  |  |  | 1 - Category: Income/Employment |
|  |  |  | 1 - Category: Insurance |
|  |  |  | 1 - Category: Terms/Guidelines |
|  |  | 11 - Compliance Review Scope | 11 - Compliance Review Scope |
|  |  |  | 4 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 1 - Category: Compliance Manual |
|  |  |  | 1 - Category: RESPA |
|  |  |  | 3 - Category: Right of Rescission |
|  |  |  | 2 - Category: TILA/RESPA Integrated Disclosure |
| **1 - Total Waived Conditions** |  |  |  |
|  |  | 1 - Credit Review Scope |  |
|  |  |  | 1 - Category: Terms/Guidelines |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2026-PJ7** |
| **Start - End Dates:** | **3/19/2026 - 4/6/2026** |
| **Deal Loan Count:** | **52** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *52* |
| ***Loans with Conditions:*** | *13* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub 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** |
| 640EAF41-A639-40E0-A945-74CE0810A0AD | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.43%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.33% is below guideline maximum 50%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 170 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $790,605.13 / No Reserves required.<br>|
| A9DB8B4B-F582-4873-BDBA-27AF78A5AACA | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 766 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.49% lower than maximum allowed 50%<br>|
| 173784BE-22B4-442A-8ADE-FB1309B70457 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been with current employer for 10 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x105 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x82 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Negligible usage of available revolving credit limit @ 1.00%<br>|
| 11FB5F02-3901-47B5-9A48-DE85BBDD1EED | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Initial LE is missing dated 2/XX/2026 per disclosure tracking. | 4.2.2026 - Missing LE received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying ltv 76.44%..below program max 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in her profession and XXX greater than 5 years per accountant letter and website verification.<br>|
| FEA89F0C-0379-4EC0-8832-2B9E632F7E6C | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves exceed guidelines. No reserve requirement, however, funds to closing amount is $3,948. The applicant has a total of $126K in verified asset<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI Below max 50% at 34%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Excellent credit history with no derogs since inception<br>|
| 4C353759-B084-4CB7-AB77-CAFB5C48296A | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $45,450.65 in post close reserves or 6.32 months PITI. No reserves required.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has additional income not used.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV of 77.46% is less than the max allowed of 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 786 exceeds the min requirement of 660.<br>|
| 336480DF-2AC0-4BDB-95BB-A9859D64D510 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 29.70% below max of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of 770 exceeds minimum FICO requirement of 680.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is only 33.48%<br>|
| 23ED0264-F5D0-4250-9881-F267DC7F8EC0 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have239 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.47%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 501 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 13 years.<br>|
| C4835B52-5651-4825-AB41-F2DB2BFB6850 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid score > min required of 660<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 229 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.75%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.908%; guidelines allow 89.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing $65,133.42 No reserves required.<br>|
| E7420C41-3B1E-407D-B8BF-9EBA93394148 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 4.2.2026 - HCO received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.87%; guidelines allow 89.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $166,941.90 or 18.88 months of PITI A. No reserves required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 253 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 25.00%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 153 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid score > min required of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.04% is below guideline maximum 50%.<br>|
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Good DTI of 29% versus the max of 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates and no major derogatory accounts.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 782 exceeds the minimum requirement of 700.<br>|
| 474897A4-D2E8-4E80-84A6-83A58557EE65 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have32 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.57%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 83.86%; guidelines allow 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $88,187.87. No Reserves Required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 44.09% is below guideline maximum 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10+ years at present job<br>|
| 8D265EC1-480D-4B42-88A2-B9885FF8DA5D | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.04% DTI < max permitted of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $87,616.61 (12.70 months PITIA reserves) > min required reserves of $0<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > min required of 680<br>|
| 3DC8ED09-46D0-41BE-8E05-84FFF09DCA50 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> 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 evidence property reflected on 2024 Schedule E titled, XXX, has been sold or provide proof of PITIA expense to be included in DTI calculation. Property was not reflected on 1003 REO schedule. | 4/9/2026 Lender provided evidence of sale of XXX property. | 4/9/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is only 13.08%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.40% exceeds the max 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico of 792 exceeds the minimum fico requirement of 680.<br>|
| 3DC8ED09-46D0-41BE-8E05-84FFF09DCA50 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence property reflected on 2024 Schedule E titled, XXX, has been sold or provide proof of PITIA expense to be included in DTI calculation. Property was not reflected on 1003 REO schedule. | 4/9/2026 Lender provided evidence of sale of XXX property. | 4/9/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is only 13.08%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.40% exceeds the max 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico of 792 exceeds the minimum fico requirement of 680.<br>|
| F19A5322-624A-4F6E-ACB6-1AF3B9317A42 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> 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 AUS findings: DU ID# XXX | 4/2/2026 Received DU AUS. All terms met. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min FICO required is 680, borr/coborr FICO is 769<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job since 2/2016<br>|
| F19A5322-624A-4F6E-ACB6-1AF3B9317A42 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS findings: DU ID# XXX | 4/2/2026 Received DU AUS. All terms met. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min FICO required is 680, borr/coborr FICO is 769<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job since 2/2016<br>|
| E169592B-4143-4303-BFE7-85FADA39EFDB | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.77%; guidelines allow 89.99%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 288 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.15%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $683,699.29 > Reserves Required $73,856.05<br>|
| 82DB7D94-58BB-4D13-BD0F-368E522C511B | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> 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 proof of HOA expense or proof of No HOA expense for XXX, XXX and XXX properties. | 4/1/2026 Lender provided 2024 1040, including Schedule E / Statement #1 reflecting HOA fees of: (1) XXX: $0; (2) XXX $14,850 (/ 12 = $1,237.50) and (3) XXX: $7,886 (/ 12 = $657.17). Expenses support expense used to qualify. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Primary Borrower XXX greater than 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $890,260.91 (106.32 months PITIA reserves) > min required reserves of $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO 773..above program minimum 660<br>|
| 82DB7D94-58BB-4D13-BD0F-368E522C511B | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof of HOA expense or proof of No HOA expense for XXX, XXX and XXX properties. | 4/1/2026 Lender provided 2024 1040, including Schedule E / Statement #1 reflecting HOA fees of: (1) XXX: $0; (2) XXX $14,850 (/ 12 = $1,237.50) and (3) XXX: $7,886 (/ 12 = $657.17). Expenses support expense used to qualify. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Primary Borrower XXX greater than 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $890,260.91 (106.32 months PITIA reserves) > min required reserves of $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO 773..above program minimum 660<br>|
| D8348D3C-BF89-4ED6-B8BD-ABDAD9B952A2 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $167,330.09 (24.26 months PITIA reserves) > min required reserves of $0.00<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Current mortgage: 0x30 x54 months<br>|
| 9EA1F2C8-6750-4620-9963-97B07F6E081A | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR rescission period ending date XXX. Disbursement date per final CD 03/02/206 was XXX. LOX, TIL or CD, proof of delivery, and New NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery | 4.2.2026 - Final ALTA with DD XXX received. | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in her profession for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score of 776 exceeds the min requirement of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 28.64% is less than the max allowed of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $971,456.65 in post close reserves or 43.54 months PITI. No reserves required.<br>|
| 7B60B0A7-8AD7-40A0-935E-E10794C3534D | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> 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 2024 W2 to support wages of $19,166.66 used to qualify. | 4/2/2026 Received 2024 W2. Supports earnings. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 680. Approved FICO is 776.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 33.18%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: XXX income of $130,829 monthly is verified but not used to qualify for Borrower 1.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 89.99%. Approved LTV is 77.38%.<br>|
| 7B60B0A7-8AD7-40A0-935E-E10794C3534D | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2024 W2 to support wages of $19,166.66 used to qualify. | 4/2/2026 Received 2024 W2. Supports earnings. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 680. Approved FICO is 776.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 33.18%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: XXX income of $130,829 monthly is verified but not used to qualify for Borrower 1.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 89.99%. Approved LTV is 77.38%.<br>|
| BA4D085D-06E6-4EE1-A02D-9C8E355FDE77 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Terms/Guidelines | Waived<br> B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash out of $XXX reflected on CD issued 2/XX/2026 exceeds $XXX limit for Rate/Term refinance. | 4.1.2026: waived by client | 4.1.2026: non-material exceptions remains | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is below guideline requirements.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit scores exceed guidelines.<br>|
| 5EFBA485-547B-4DFE-8ECC-62C782F871AD | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have157 months mortgage payment history 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 360 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.39% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.05%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid score > min required of 660<br>|
| 3034D9F8-FCF2-4B7C-9313-29309DF670EF | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is 9932/215700 = 4.605%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min FICO required 680, borr FICO is 756<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max dti is 50%; borr backend dti is 37.39%<br>|
| 4C5229D1-2B71-4EF0-86B4-8E378CFA003F | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is only 25% with a max DTI of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 771 exceeds minimum score requirement of 680.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage only 7.41%<br>|
| C52B3BC4-753D-4316-B19D-593498BA5FEB | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage is only 1.76%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below max of 50% DTI currently at 37.24/37.48%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Excellent credit history with no major derogs and no lates since in inception<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 794 with a min score requirement of 660<br>|
| 2B9A95BD-F47E-4861-BF96-82B2AD009BA1 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX current business for 9.6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 734. Min 680<br>|
| B84CD105-2B19-4797-A94E-4C2ED081CCBC | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR2400 | Missing Flood Certification Document | No | The Flood Certificate is partially illegible. | 3.26.26: legible doc provided | 3.26.26: exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 24.60%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $240,669.85 or 34 months of PITIA. Required PITIA reserves are $0.00 or 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 680. Approved FICO is 783.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 89.99%. Approved LTV is 70.29%.<br>|
| C167C1FF-7112-4783-8849-AFA13DD1415F | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Earliest expiration date per ROR is XXX and Disbursement Date per Final CD 2.XX.2026 is XXX. Full 3 day waiting period not observed. | 4.2.2026 - Final ALTA with DD of XXX received. | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.81 is below maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is below maximum required 89.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 786 exceeds minimum required 680<br>|
| FA688933-B2AC-4331-ACFD-46A79A3F4397 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 680. Approved FICO is 744.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is %42.33. Verified DTI is 42.33%<br>|
| 89589A19-9FAF-4884-BDC4-62EC66071AD2 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.97%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19+ years at present job<br>|
| E137FACE-63DD-49A8-A265-9ED85865BCEA | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: $520.16 reduction in PITIA a month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9 yrs, 7 mo's on job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $15,319.63 (1.20 months PITIA reserves) > min required reserves of $0<br>|
| 521BF5CB-FF6E-42CF-A2A6-18E99C61484B | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.33%; guidelines allow 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 45 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.83%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have15 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.363% is below guideline maximum 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $200,641.55 post closing reserves<br>|
| E8523E01-2A99-4568-AB17-033027483649 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 660. Approved FICO is 761.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Monthly housing expenses are reduced from $9,256.85 to $7,576.45.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 39.85%.<br>|
| 510CCF07-4484-439A-AEF0-AA130ABF55DA | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | The ROR expires on XXX and the Distribution Date is XXX which is before the expiration date. | 4.2.2026 - Final ALTA with DD XXX | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.46% DTI < max permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 mid score > min required of 680<br>|
| 4E810694-9529-4DC8-9688-156F2A6F831B | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Please provide COC or LOX stating the reason for the Lender Credits being removed from CD 3/XX/2026 and 3/XX/2026. | 4.2.2026 - COC provided | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.15% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8+ years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.13%; guidelines allow 80%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.79%<br>|
| 928AE378-AF71-484D-A613-B1636BE5BC79 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines with a min 640 with a score of 800<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is at 39% with max of 50%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Clean credit history with no major derogs nor mortgage lates within the past 2 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage is only 17%<br>|
| 9B13B66D-D4E7-461B-8B43-16F5EE7A19B4 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 89.99%. Approved LTV is 65.33%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 42.62%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 680. Approved FICO is 764.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Verified Bonus income average of $5,721.67 per month not used to qualify.<br>|
| 749B0605-BF0C-4413-B506-C9F9797D3B32 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have 10 years in their current professions.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 30.35% is below the max allowed of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score of 740 exceeds min requirement of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $472,187.87 in post close reserves or 42.95 months PITI. Required reserves per the DU are $24,164.<br>|
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 773..above program minimum 660.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers do not have alot of revolving debts. Only 1 open account.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 25.09%..below program max 50%.<br>|
| 740E660A-6C43-4323-8C8D-1308643DF136 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 28.51% is less than the max DTI allowed of 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in current profession for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score of 744 exceeds the min requirement of 700.<br>|
| 1ACCC855-80DE-460A-88EB-53562144A235 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have102 months mortgage payment history 0x30.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: bonus income not used to qualify<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: no required reserves, but verified reserves of 297,073.57 post closing<br>|
| EE4AECEF-FA1B-45E8-8401-061D7709532D | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit 766 score exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.64% is below the guidelines 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 84.78%is below the guidelines %<br>|
| EB588554-5E07-405C-A294-167039D92CF9 | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are: $426,351.13 / 12,869.61 = 33.13 months' PITIA reserves. Required reserves are $19,876.00 for 30-Day XXX balance.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 80%. Approved CLTV is 77%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 25.34%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 660. Approved FICO is 780.<br>|
| 7F5C8755-FD2A-4804-9847-F10FCA957815 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.06% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.9%; guidelines allow 89.99%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 139 months.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 80 months mortgage payment history 0x30.<br>|
| F0407586-4015-4E07-8356-0963BC48997E | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Ten percent tolerance fail of $XXX Recording Fees and Other Taxes, and $XXX Flood Cert - Life of Loan with no internal COC in file. Provide Internal COCs reflecting valid reason for the fee changes within 3 business days of change - OR- PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking, within 60 days of consummation | 4.2.2026 - COC provided | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 mid score > min required of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required PITI Reserves are $7,285.37 x 2 months = $14,570.74 , post close are $688,241.98 or 66.52 months PITIA<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.00%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 98 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.00%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 128 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40.15% is below guideline maximum 50%.<br>|
| 1F9DB682-B092-46A8-AAB1-F5469B523D1F | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 275 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 115 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.00%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $133,599.24, /15.31 months PITIA > min required of $52,371.60 (6 months)<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.96% is below guideline maximum 50%.<br>|
| 1FD17F32-7370-4761-9AA5-6AD555520BB6 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.82% is below guideline maximum 50%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 265 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.73%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have9 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 660<br>|
| BF98A7A2-5038-40E7-9401-5544F4EC27E3 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 660. Approved FICO is 768.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 35.01%.<br>|
| 85E7F66D-92B6-43E2-820F-845F28054928 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 319 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65.06%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $108,541.65 or 10.68 months of PITI. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 14 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit @3.00%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 84 months mortgage payment history 0x30.<br>|
| 40003405-C83F-4E30-B82F-47791F4B3175 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 24.51%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 42.53% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 mid score > min required of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 33.24%; guidelines allow 89.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $130,614.75 post closing reserves. No Reserves Required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 229 months.<br>|
| D1DCDCA1-7360-4233-A2AC-F28BA5095196 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 14.91% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.00%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $535,464.61 or 73.03 months of PITI . No reserves required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 349 months.<br>|
| 5AC7123E-8F13-4852-8FB5-D2145E33501E | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV < max permitted of 90%<br>|

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2026-PJ7** |
| **Start - End Dates:** | **3/19/2026 - 4/6/2026** |
| **Deal Loan Count:** | **52** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *52* |
| ***Loans with Conditions:*** | *13* |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 640EAF41-A639-40E0-A945-74CE0810A0AD | XXXXXX | XXXXXX<br> A | Not Applicable |
| A9DB8B4B-F582-4873-BDBA-27AF78A5AACA | XXXXXX | XXXXXX<br> A | Yes |
| 173784BE-22B4-442A-8ADE-FB1309B70457 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 11FB5F02-3901-47B5-9A48-DE85BBDD1EED | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| FEA89F0C-0379-4EC0-8832-2B9E632F7E6C | XXXXXX | XXXXXX<br> A | No |
| 4C353759-B084-4CB7-AB77-CAFB5C48296A | XXXXXX | XXXXXX<br> A | Not Applicable |
| 336480DF-2AC0-4BDB-95BB-A9859D64D510 | XXXXXX | XXXXXX<br> A | No |
| 23ED0264-F5D0-4250-9881-F267DC7F8EC0 | XXXXXX | XXXXXX<br> A | No |
| C4835B52-5651-4825-AB41-F2DB2BFB6850 | XXXXXX | XXXXXX<br> A | No |
| E7420C41-3B1E-407D-B8BF-9EBA93394148 | XXXXXX | XXXXXX<br> B<br> A | No |
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | XXXXXX | XXXXXX<br> A | No |
| 474897A4-D2E8-4E80-84A6-83A58557EE65 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 8D265EC1-480D-4B42-88A2-B9885FF8DA5D | XXXXXX | XXXXXX<br> A | Not Applicable |
| 3DC8ED09-46D0-41BE-8E05-84FFF09DCA50 | XXXXXX | XXXXXX<br> D<br> A<br> C | No |
| F19A5322-624A-4F6E-ACB6-1AF3B9317A42 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| E169592B-4143-4303-BFE7-85FADA39EFDB | XXXXXX | XXXXXX<br> A | Not Applicable |
| 82DB7D94-58BB-4D13-BD0F-368E522C511B | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| D8348D3C-BF89-4ED6-B8BD-ABDAD9B952A2 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 9EA1F2C8-6750-4620-9963-97B07F6E081A | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 7B60B0A7-8AD7-40A0-935E-E10794C3534D | XXXXXX | XXXXXX<br> D<br> A | No |
| BA4D085D-06E6-4EE1-A02D-9C8E355FDE77 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 5EFBA485-547B-4DFE-8ECC-62C782F871AD | XXXXXX | XXXXXX<br> A | No |
| 3034D9F8-FCF2-4B7C-9313-29309DF670EF | XXXXXX | XXXXXX<br> A | Not Applicable |
| 4C5229D1-2B71-4EF0-86B4-8E378CFA003F | XXXXXX | XXXXXX<br> A | No |
| C52B3BC4-753D-4316-B19D-593498BA5FEB | XXXXXX | XXXXXX<br> A | No |
| 2B9A95BD-F47E-4861-BF96-82B2AD009BA1 | XXXXXX | XXXXXX<br> A | No |
| B84CD105-2B19-4797-A94E-4C2ED081CCBC | XXXXXX | XXXXXX<br> D<br> A | No |
| C167C1FF-7112-4783-8849-AFA13DD1415F | XXXXXX | XXXXXX<br> C<br> B<br> A | Yes |
| FA688933-B2AC-4331-ACFD-46A79A3F4397 | XXXXXX | XXXXXX<br> A | No |
| 89589A19-9FAF-4884-BDC4-62EC66071AD2 | XXXXXX | XXXXXX<br> A | No |
| E137FACE-63DD-49A8-A265-9ED85865BCEA | XXXXXX | XXXXXX<br> A | Not Applicable |
| 521BF5CB-FF6E-42CF-A2A6-18E99C61484B | XXXXXX | XXXXXX<br> A | Not Applicable |
| E8523E01-2A99-4568-AB17-033027483649 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 510CCF07-4484-439A-AEF0-AA130ABF55DA | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 4E810694-9529-4DC8-9688-156F2A6F831B | XXXXXX | XXXXXX<br> C<br> A | No |
| 928AE378-AF71-484D-A613-B1636BE5BC79 | XXXXXX | XXXXXX<br> A | No |
| 9B13B66D-D4E7-461B-8B43-16F5EE7A19B4 | XXXXXX | XXXXXX<br> A | No |
| 749B0605-BF0C-4413-B506-C9F9797D3B32 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | XXXXXX | XXXXXX<br> A | No |
| 740E660A-6C43-4323-8C8D-1308643DF136 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 1ACCC855-80DE-460A-88EB-53562144A235 | XXXXXX | XXXXXX<br> A | No |
| EE4AECEF-FA1B-45E8-8401-061D7709532D | XXXXXX | XXXXXX<br> A | Yes |
| EB588554-5E07-405C-A294-167039D92CF9 | XXXXXX | XXXXXX<br> A | No |
| 7F5C8755-FD2A-4804-9847-F10FCA957815 | XXXXXX | XXXXXX<br> A | Not Applicable |
| F0407586-4015-4E07-8356-0963BC48997E | XXXXXX | XXXXXX<br> C<br> A | No |
| 1F9DB682-B092-46A8-AAB1-F5469B523D1F | XXXXXX | XXXXXX<br> A | No |
| 1FD17F32-7370-4761-9AA5-6AD555520BB6 | XXXXXX | XXXXXX<br> A | Not Applicable |
| BF98A7A2-5038-40E7-9401-5544F4EC27E3 | XXXXXX | XXXXXX<br> A | No |
| 85E7F66D-92B6-43E2-820F-845F28054928 | XXXXXX | XXXXXX<br> A | No |
| 40003405-C83F-4E30-B82F-47791F4B3175 | XXXXXX | XXXXXX<br> A | Not Applicable |
| D1DCDCA1-7360-4233-A2AC-F28BA5095196 | XXXXXX | XXXXXX<br> A | No |
| 5AC7123E-8F13-4852-8FB5-D2145E33501E | XXXXXX | XXXXXX<br> A | No |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | GSMBS 2026-PJ7 |
| **Start - End Dates:** | 3/19/2026 - 4/6/2026 |
| **Deal Loan Count:** | 52 |
| **Valuations Summary** |  |
| *Loans In Report:* | *52* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 640EAF41-A639-40E0-A945-74CE0810A0AD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.36% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| A9DB8B4B-F582-4873-BDBA-27AF78A5AACA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 173784BE-22B4-442A-8ADE-FB1309B70457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 11FB5F02-3901-47B5-9A48-DE85BBDD1EED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| FEA89F0C-0379-4EC0-8832-2B9E632F7E6C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 4C353759-B084-4CB7-AB77-CAFB5C48296A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 336480DF-2AC0-4BDB-95BB-A9859D64D510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.0 |
| 23ED0264-F5D0-4250-9881-F267DC7F8EC0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| C4835B52-5651-4825-AB41-F2DB2BFB6850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.53% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| E7420C41-3B1E-407D-B8BF-9EBA93394148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 4.11% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 474897A4-D2E8-4E80-84A6-83A58557EE65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 8D265EC1-480D-4B42-88A2-B9885FF8DA5D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 3DC8ED09-46D0-41BE-8E05-84FFF09DCA50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| F19A5322-624A-4F6E-ACB6-1AF3B9317A42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.0 |
| E169592B-4143-4303-BFE7-85FADA39EFDB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 82DB7D94-58BB-4D13-BD0F-368E522C511B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| D8348D3C-BF89-4ED6-B8BD-ABDAD9B952A2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9EA1F2C8-6750-4620-9963-97B07F6E081A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 3.53% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 7B60B0A7-8AD7-40A0-935E-E10794C3534D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| BA4D085D-06E6-4EE1-A02D-9C8E355FDE77 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 5EFBA485-547B-4DFE-8ECC-62C782F871AD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 3034D9F8-FCF2-4B7C-9313-29309DF670EF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 4C5229D1-2B71-4EF0-86B4-8E378CFA003F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| C52B3BC4-753D-4316-B19D-593498BA5FEB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 2B9A95BD-F47E-4861-BF96-82B2AD009BA1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| B84CD105-2B19-4797-A94E-4C2ED081CCBC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| C167C1FF-7112-4783-8849-AFA13DD1415F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| FA688933-B2AC-4331-ACFD-46A79A3F4397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 89589A19-9FAF-4884-BDC4-62EC66071AD2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| E137FACE-63DD-49A8-A265-9ED85865BCEA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 521BF5CB-FF6E-42CF-A2A6-18E99C61484B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| E8523E01-2A99-4568-AB17-033027483649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 510CCF07-4484-439A-AEF0-AA130ABF55DA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 4E810694-9529-4DC8-9688-156F2A6F831B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.0 |
| 928AE378-AF71-484D-A613-B1636BE5BC79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 9B13B66D-D4E7-461B-8B43-16F5EE7A19B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.0 |
| 749B0605-BF0C-4413-B506-C9F9797D3B32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 740E660A-6C43-4323-8C8D-1308643DF136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 1ACCC855-80DE-460A-88EB-53562144A235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| EE4AECEF-FA1B-45E8-8401-061D7709532D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| EB588554-5E07-405C-A294-167039D92CF9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.96% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 7F5C8755-FD2A-4804-9847-F10FCA957815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| F0407586-4015-4E07-8356-0963BC48997E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.0 |
| 1F9DB682-B092-46A8-AAB1-F5469B523D1F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004D (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 1FD17F32-7370-4761-9AA5-6AD555520BB6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| BF98A7A2-5038-40E7-9401-5544F4EC27E3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 85E7F66D-92B6-43E2-820F-845F28054928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 40003405-C83F-4E30-B82F-47791F4B3175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| D1DCDCA1-7360-4233-A2AC-F28BA5095196 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 5AC7123E-8F13-4852-8FB5-D2145E33501E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | GSMBS 2026-PJ7 |
| **Start - End Dates:** | 3/19/2026 - 4/6/2026 |
| **Deal Loan Count:** | 52 |
| **Loan Level Tape Compare Upload** |  |
| *Loans in Report* | *52* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 640EAF41-A639-40E0-A945-74CE0810A0AD | XXXXXX | Debt to Income Ratio (Back) | 41.8720 | 21.5721 |
| 640EAF41-A639-40E0-A945-74CE0810A0AD | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| 640EAF41-A639-40E0-A945-74CE0810A0AD | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| A9DB8B4B-F582-4873-BDBA-27AF78A5AACA | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| A9DB8B4B-F582-4873-BDBA-27AF78A5AACA | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| A9DB8B4B-F582-4873-BDBA-27AF78A5AACA | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 173784BE-22B4-442A-8ADE-FB1309B70457 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 173784BE-22B4-442A-8ADE-FB1309B70457 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 11FB5F02-3901-47B5-9A48-DE85BBDD1EED | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 11FB5F02-3901-47B5-9A48-DE85BBDD1EED | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| FEA89F0C-0379-4EC0-8832-2B9E632F7E6C | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 4C353759-B084-4CB7-AB77-CAFB5C48296A | XXXXXX | Debt to Income Ratio (Back) | 24.4310 | 47.2897 |
| 4C353759-B084-4CB7-AB77-CAFB5C48296A | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 336480DF-2AC0-4BDB-95BB-A9859D64D510 | XXXXXX | Debt to Income Ratio (Back) | 25.2410 | 29.6969 |
| 336480DF-2AC0-4BDB-95BB-A9859D64D510 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 336480DF-2AC0-4BDB-95BB-A9859D64D510 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 336480DF-2AC0-4BDB-95BB-A9859D64D510 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 23ED0264-F5D0-4250-9881-F267DC7F8EC0 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| C4835B52-5651-4825-AB41-F2DB2BFB6850 | XXXXXX | Debt to Income Ratio (Back) | 42.4850 | 46.5157 |
| C4835B52-5651-4825-AB41-F2DB2BFB6850 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| C4835B52-5651-4825-AB41-F2DB2BFB6850 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| E7420C41-3B1E-407D-B8BF-9EBA93394148 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | XXXXXX | Combined LTV | 79.57 | 65.00 |
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| C35262A8-215A-4157-B3CE-E348F4BC3BA7 | XXXXXX | Original LTV | 79.57 | 65.00 |
| 474897A4-D2E8-4E80-84A6-83A58557EE65 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 474897A4-D2E8-4E80-84A6-83A58557EE65 | XXXXXX | Note Rate | 5.75 | 5.8750 |
| 8D265EC1-480D-4B42-88A2-B9885FF8DA5D | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 3DC8ED09-46D0-41BE-8E05-84FFF09DCA50 | XXXXXX | Combined LTV | 77.50 | 80.00 |
| 3DC8ED09-46D0-41BE-8E05-84FFF09DCA50 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 3DC8ED09-46D0-41BE-8E05-84FFF09DCA50 | XXXXXX | Original LTV | 77.50 | 80.00 |
| F19A5322-624A-4F6E-ACB6-1AF3B9317A42 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| F19A5322-624A-4F6E-ACB6-1AF3B9317A42 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| E169592B-4143-4303-BFE7-85FADA39EFDB | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| E169592B-4143-4303-BFE7-85FADA39EFDB | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| E169592B-4143-4303-BFE7-85FADA39EFDB | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 82DB7D94-58BB-4D13-BD0F-368E522C511B | XXXXXX | Debt to Income Ratio (Back) | 43.1460 | 34.0229 |
| 82DB7D94-58BB-4D13-BD0F-368E522C511B | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| D8348D3C-BF89-4ED6-B8BD-ABDAD9B952A2 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| D8348D3C-BF89-4ED6-B8BD-ABDAD9B952A2 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9EA1F2C8-6750-4620-9963-97B07F6E081A | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 9EA1F2C8-6750-4620-9963-97B07F6E081A | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7B60B0A7-8AD7-40A0-935E-E10794C3534D | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| BA4D085D-06E6-4EE1-A02D-9C8E355FDE77 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| BA4D085D-06E6-4EE1-A02D-9C8E355FDE77 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 5EFBA485-547B-4DFE-8ECC-62C782F871AD | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 3034D9F8-FCF2-4B7C-9313-29309DF670EF | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 4C5229D1-2B71-4EF0-86B4-8E378CFA003F | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| 4C5229D1-2B71-4EF0-86B4-8E378CFA003F | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 4C5229D1-2B71-4EF0-86B4-8E378CFA003F | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| C52B3BC4-753D-4316-B19D-593498BA5FEB | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 2B9A95BD-F47E-4861-BF96-82B2AD009BA1 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 2B9A95BD-F47E-4861-BF96-82B2AD009BA1 | XXXXXX | Product Type | Jumbo 30yr Fixed IO | Jumbo 30yr Fixed |
| 2B9A95BD-F47E-4861-BF96-82B2AD009BA1 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| B84CD105-2B19-4797-A94E-4C2ED081CCBC | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| B84CD105-2B19-4797-A94E-4C2ED081CCBC | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| C167C1FF-7112-4783-8849-AFA13DD1415F | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| C167C1FF-7112-4783-8849-AFA13DD1415F | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| FA688933-B2AC-4331-ACFD-46A79A3F4397 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| FA688933-B2AC-4331-ACFD-46A79A3F4397 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| FA688933-B2AC-4331-ACFD-46A79A3F4397 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 89589A19-9FAF-4884-BDC4-62EC66071AD2 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| E137FACE-63DD-49A8-A265-9ED85865BCEA | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| E137FACE-63DD-49A8-A265-9ED85865BCEA | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 521BF5CB-FF6E-42CF-A2A6-18E99C61484B | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| E8523E01-2A99-4568-AB17-033027483649 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 510CCF07-4484-439A-AEF0-AA130ABF55DA | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 510CCF07-4484-439A-AEF0-AA130ABF55DA | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 4E810694-9529-4DC8-9688-156F2A6F831B | XXXXXX | Combined LTV | 78.00 | 73.13 |
| 4E810694-9529-4DC8-9688-156F2A6F831B | XXXXXX | Debt to Income Ratio (Back) | 24.5250 | 38.1465 |
| 4E810694-9529-4DC8-9688-156F2A6F831B | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 4E810694-9529-4DC8-9688-156F2A6F831B | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 4E810694-9529-4DC8-9688-156F2A6F831B | XXXXXX | Original LTV | 78.00 | 73.13 |
| 928AE378-AF71-484D-A613-B1636BE5BC79 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 9B13B66D-D4E7-461B-8B43-16F5EE7A19B4 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 749B0605-BF0C-4413-B506-C9F9797D3B32 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 749B0605-BF0C-4413-B506-C9F9797D3B32 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | XXXXXX | Note Rate | 6.125 | 6.0000 |
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 4A61DCBD-0363-42A0-806C-485B57F905B7 | XXXXXX | Property Type | Mid Rise Condo (5-8) | Low Rise Condo (1-4) |
| 740E660A-6C43-4323-8C8D-1308643DF136 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 740E660A-6C43-4323-8C8D-1308643DF136 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 740E660A-6C43-4323-8C8D-1308643DF136 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 1ACCC855-80DE-460A-88EB-53562144A235 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 1ACCC855-80DE-460A-88EB-53562144A235 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 1ACCC855-80DE-460A-88EB-53562144A235 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 1ACCC855-80DE-460A-88EB-53562144A235 | XXXXXX | Representative Credit Score for Grading | 698 | 700 |
| EE4AECEF-FA1B-45E8-8401-061D7709532D | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| EE4AECEF-FA1B-45E8-8401-061D7709532D | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| EE4AECEF-FA1B-45E8-8401-061D7709532D | XXXXXX | Property Type | Mid Rise Condo (5-8) | High Rise Condo (9+) |
| EB588554-5E07-405C-A294-167039D92CF9 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| EB588554-5E07-405C-A294-167039D92CF9 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7F5C8755-FD2A-4804-9847-F10FCA957815 | XXXXXX | Combined LTV | 74.90 | 76.99 |
| 7F5C8755-FD2A-4804-9847-F10FCA957815 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 7F5C8755-FD2A-4804-9847-F10FCA957815 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 7F5C8755-FD2A-4804-9847-F10FCA957815 | XXXXXX | Original LTV | 74.90 | 76.99 |
| F0407586-4015-4E07-8356-0963BC48997E | XXXXXX | Debt to Income Ratio (Back) | 45.9120 | 40.1476 |
| F0407586-4015-4E07-8356-0963BC48997E | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| F0407586-4015-4E07-8356-0963BC48997E | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| F0407586-4015-4E07-8356-0963BC48997E | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| F0407586-4015-4E07-8356-0963BC48997E | XXXXXX | Property Type | Condotel | Site Condo |
| 1F9DB682-B092-46A8-AAB1-F5469B523D1F | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 1FD17F32-7370-4761-9AA5-6AD555520BB6 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| BF98A7A2-5038-40E7-9401-5544F4EC27E3 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| BF98A7A2-5038-40E7-9401-5544F4EC27E3 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| BF98A7A2-5038-40E7-9401-5544F4EC27E3 | XXXXXX | Representative Credit Score for Grading | 764 | 768 |
| 85E7F66D-92B6-43E2-820F-845F28054928 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 40003405-C83F-4E30-B82F-47791F4B3175 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| D1DCDCA1-7360-4233-A2AC-F28BA5095196 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| D1DCDCA1-7360-4233-A2AC-F28BA5095196 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| D1DCDCA1-7360-4233-A2AC-F28BA5095196 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 5AC7123E-8F13-4852-8FB5-D2145E33501E | XXXXXX | Combined LTV | 77.88 | 71.39 |
| 5AC7123E-8F13-4852-8FB5-D2145E33501E | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 5AC7123E-8F13-4852-8FB5-D2145E33501E | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 5AC7123E-8F13-4852-8FB5-D2145E33501E | XXXXXX | Original LTV | 77.88 | 71.39 |
|©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.2

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **GSMBS 2026-PJ7** |  |  |  |
| **Start - End Dates:** | **3/19/2026 - 4/6/2026** |  |  |  |
| **Deal Loan Count:** | **52** |  |  |  |
| **Waived Conditions Summary** |  |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 1 |
| **Total** |  |  |  | **1** |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.3

![](ca_logo.jpg)

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

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), performed certain due diligence services (the "Review") described below on a newly originated residential mortgage loan acquired by Goldman Sachs Mortgage Company through a bulk purchase. The review included a total of 100 newly originated residential mortgage loans, in connection with the securitization identified as GSMBS 2026-PJ7 (the "Securitization"). The Review was conducted from January 2026 to March 2026 on mortgage loans originated between July 2025 and March 2026.

#### Scope of Review

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

The Credit Review attempted to confirm the following:

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

<br> i. Income / Assets

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

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

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

<br> ii. Employment Status

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

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

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

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

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

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

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

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

<br> viii. Credit History

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

<br> • Determine representative credit score from credit report

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

<br> c. Review borrower's occupancy

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

------

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

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

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

<br> h. Confirm Loan Approval conditions were met

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

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

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

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

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

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

<br> b. Pricing for Subordinate Lien Loans:

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

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

<br> c. Pricing for Manufactured Homes:

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

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

<br> ii. Consider Income and Assets:

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

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

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

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

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

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

------

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

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

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

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

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

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

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

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

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

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

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

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

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

<br> iv. HOEPA Points and Fees

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

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

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

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

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

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

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

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

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

------

For loans reviewed in a post-close valuation review scenario (100 loans in total):

Eight (8) loans had a Secondary Appraisal, fifty-one (51) loans had an AVM, and thirty (30) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Desktop Review, Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were thirteen (13) occurrences of this.

If a loan with a Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There was one (1) occurrence of this.

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

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 100 mortgages loan reviewed, thirty (30) unique mortgage loans (30.00% by loan count) had a total of thirty-six (36) tape discrepancies across ten (10) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| QM Qualifying Total Debt Income Ratio | 13 | 36.11% |
| Refinance Type | 6 | 16.67% |
| Application Date | 5 | 13.89% |
| Qualifying Total Debt Income Ratio | 4 | 11.11% |
| Qualifying LTV | 3 | 8.33% |
| Qualifying FICO | 1 | 2.78% |
| Property Type | 1 | 2.78% |
| Property Value | 1 | 2.78% |
| AUS Type | 1 | 2.78% |
| Qualifying CLTV | 1 | 2.78% |
| **Grand Total** | **36** | **100.00%** |

---

#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |

---

------

---

| | | | |
|:---|:---|:---|:---|
| Event Grade A | 69 | $92633180.00 | 69.00% |
| Event Grade B | 31 | $43878752.00 | 31.00% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 100 | $136511932.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 94 | 94.00% |  |
| Event Grade B | 6 | 6.00% |  |
| Event Grade C | 0 | 0 |  |
| Event Grade D | 0 | 0 |  |
| **Total Sample** | 100 | 100.00% |  |
| **Compliance Results: (DBRS only)** | **Compliance Results: (DBRS only)** | **Compliance Results: (DBRS only)** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 84 | 84.00% |  |
| Event Grade B | 16 | 16.00% |  |
| Event Grade C | 0 | 0 |  |
| Event Grade D | 0 | 0 |  |
| **Total Sample** | 100 | 100.00% |  |
| **Compliance Results: (Fitch only)** | **Compliance Results: (Fitch only)** | **Compliance Results: (Fitch only)** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 78 | 78.00% |  |
| Event Grade B | 22 | 22.00% |  |
| Event Grade C | 0 | 0 |  |
| Event Grade D | 0 | 0 |  |
| **Total Sample** | 100 | 100.00% |  |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 94 | 94.00% |  |
| Event Grade B | 6 | 6.00% |  |
| Event Grade C | 0 | 0% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 100 | 100.00% |  |

---

#### Exception Category Summary
The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for

------

any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 70 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 6 |
| Credit | A | AUS Partially Provided | 5 |
| Credit | A | Audited DTI Exceeds AUS DTI | 3 |
| Credit | A | Asset Qualification Does Not Meet Guideline Requirements | 3 |
| Credit | A | Audited LTV Exceeds AUS LTV | 2 |
| Credit | A | Audited CLTV Exceeds AUS CLTV | 2 |
| Credit | A | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | 2 |
| Credit | A | Audited HCLTV Exceeds AUS HCLTV | 2 |
| Credit | A | The Note is Missing | 1 |
| Credit | A | Borrower 1 CPA Letter Missing | 1 |
| Credit | A | Borrower 2 3rd Party VOE Prior to Close Missing | 1 |
| Credit | A | Potential Fraud Reflected on Fraud Report | 1 |
| Credit | A | The Final 1003 is Incomplete | 1 |
| Credit | A | Missing letter of explanation | 1 |
| Credit | A | Borrower 2 Deed of Trust Signature does not match Note | 1 |
| Credit | A | Missing income documentation | 1 |
| Credit | A | Borrower 1 Deed of Trust Signature does not match Note | 1 |
| Credit | A | Title Document is Partially Present | 1 |
| Credit | A | Borrower 1 Business Tax Returns Missing | 1 |
| Credit | A | Missing VOM or VOR | 1 |
| Credit | A | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | 1 |
| Credit | A | The Deed of Trust is Incomplete | 1 |
| Credit | A | Collections, liens or judgments not paid at closing | 1 |
| Credit | A | Title Document Missing | 1 |
| Credit | A | Purchase Contract is Missing | 1 |
| Credit | A | Delinquent Credit History Does Not Meet Guideline Requirements | 1 |
| Credit | A | Guideline Seasoning not Met | 1 |
| Credit | A | Fraud Report Shows Uncleared Alerts | 1 |
| Credit | A | ***Total Credit Grade (A) Exceptions:*** | **115** |
| Credit | B | Title Coverage is Less than Subject Lien | 4 |
| Credit | B | Hazard Insurance Effective Date is after the Disbursement Date | 1 |
| Credit | B | Approval/Underwriting Summary Partially Provided | 1 |
| Credit | B | Purchase Contract is Incomplete | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | **7** |

---

------

---

| | | | |
|:---|:---|:---|:---|
| Compliance | A | No Compliance Findings | 68 |
| Compliance | A | Charges That Cannot Increase Test | 6 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 5 |
| Compliance | A | Revised Loan Estimate Delivery Date Test (prior to consummation) | 3 |
| Compliance | A | TRID Disclosure Delivery Date Validation Test | 1 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 1 |
| Compliance | A | ***Total Compliance Grade (A) Exceptions:*** | **84** |
| Compliance | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 18 |
| Compliance | B | Missing Required Affiliated Business Disclosure | 5 |
| Compliance | B | Charges That Cannot Increase Test | 3 |
| Compliance | B | Charges That In Total Cannot Increase More Than 10% Test | 1 |
| Compliance | B | Lender Credits That Cannot Decrease Test | 1 |
| Compliance | B | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | **29** |
| Property | A | No Property Findings | 88 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 4 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | **92** |
| Property | B | Third Party Valuation Product Not Provided within 10% Tolerance | 4 |
| Property | B | External Obsolescence Present | 1 |
| Property | B | Property Issue(s) are Present | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | **6** |

---

#### Event Grade Definitions

---

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

---

------

---

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

---

---

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

---

---

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

---

------

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| 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. |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **GS_Loan_Number** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Deal Num** | **Deal Name** | **Exception ID** | **Last Name** | **Purpose** | **Occupancy** | **Note Date** | **County** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Subcategory** | **Exception Type** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Assigned To** | **Comments** |
| 71000109 | XXXXX |  | XXX | XXX | XXX | FCRE1183 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Approval/Underwriting Summary Partially Provided | Credit | Acknowledged | 03/14/2026 | 2 | Approval/Underwriting Summary Partially Provided |  | Approval/Underwriting Summary Partially Provided. Requires updated 1003 to reflect LTV of 79.534% and Value of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000109 | XXXXX |  | XXX | XXX | XXX | FCRE1189 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Audited HCLTV Exceeds AUS HCLTV | Credit | Resolved | 03/13/2026 | 1 | Audited HCLTV Exceeds AUS HCLTV |  | Audited HCLTV of 79.53% exceeds AUS HCLTV of 79.31% Requires updated AUS to reflect LTV of 79.534% and Loan amount of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time |  | Closed | Audited HCLTV of 79.53% is less than or equal to AUS HCLTV of 79.53%; Client provided Updated LP. LM Updated. |
| 71000109 | XXXXX |  | XXX | XXX | XXX | FCRE1187 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Audited LTV Exceeds AUS LTV | Credit | Resolved | 03/13/2026 | 1 | Audited LTV Exceeds AUS LTV |  | Audited LTV of 79.53% exceeds AUS CLTV of 79.31% Requires updated AUS to reflect LTV of 79.534% and Loan amount of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time |  | Closed | Audited LTV of 79.53% is less than or equal to AUS CLTV of 79.53%; Client provided Updated LP. LM Updated. |
| 71000109 | XXXXX |  | XXX | XXX | XXX | FCRE1185 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | AUS Partially Provided | Credit | Resolved | 03/13/2026 | 1 | AUS Partially Provided |  | AUS Partially Provided Requires updated 1003 to reflect LTV of 79.534% and Loan amount of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time |  | Closed | AUS is not incomplete; Client provided Updated LP. LM Updated. |
| 71000109 | XXXXX |  | XXX | XXX | XXX | FCRE1188 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Audited CLTV Exceeds AUS CLTV | Credit | Resolved | 03/13/2026 | 1 | Audited CLTV Exceeds AUS CLTV |  | Audited CLTV of 79.53% exceeds AUS CLTV of 79.31% Requires updated AUS to reflect LTV of 79.534% and Value of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time |  | Closed | Audited CLTV of 79.53% is less than or equal to AUS CLTV of 79.53%; Client provided Updated LP. LM Updated. |
| 71000109 | XXXXX |  | XXX | XXX | XXX | FCRE1148 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Title Coverage is Less than Subject Lien | Credit | Acknowledged | 03/13/2026 | 2 | Title Coverage is Less than Subject Lien |  | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title coverage is XXX is less than the Total loan amount of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000109 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/09/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 03/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000109 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | No Property Findings | Property | Resolved | 03/09/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time |  | Closed | Informational |
| 71000041 | XXXXX |  | XXX | XXX | XXX | FCRE1185 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/27/2026 | AUS Partially Provided | Credit | Resolved | 01/30/2026 | 1 | AUS Partially Provided |  | AUS Partially Provided Please provide an updated AUS with the appropriate PITI, qualifying income and DTI. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | AUS is not incomplete; Updated 1003 and AUS provided. ; AUS Partially Provided Please provide an updated AUS with the appropriate PITI, qualifying income and DTI. |
| 71000041 | XXXXX |  | XXX | XXX | XXX | FCOM1233 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/27/2026 | The Final 1003 is Incomplete | Credit | Resolved | 01/30/2026 | 1 | The Final 1003 is Incomplete |  | The Final 1003 is Incomplete Please provide an updated Final 1003 with appropriate PITI and updated qualifying income. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | The Final 1003 is Present; Client provided 1003 and AUS with matching PITI. ; The Final 1003 is Incomplete Please provide an updated Final 1003 with appropriate PITI and updated qualifying income. |
| 71000041 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/26/2026 | No Compliance Findings | Compliance | Resolved | 01/27/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000041 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/27/2026 | No Property Findings | Property | Resolved | 01/27/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000095 | XXXXX |  | XXX | XXX | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | Charges That Cannot Increase Test | Compliance | Resolved | 03/04/2026 | 1 | Charges That Cannot Increase Test |  | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required: Refund in the amount of $XXX. Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Appraisal Review fee. The appraisal was completed subject to on XX/XX/XXXX. If fee was due to repairs, provide explanation for delay in reporting the change. Please provide a Valid COC or Cure Package | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Valid COC provided, fee was mis-labeled on CD as appraisal review fee but based on payee and invoice in file it was disclosed timely. Exception resolved; Valid COC provided, fee was mis-labeled on CD as appraisal review fee but based on payee and invoice in file it was disclosed timely. Exception resolved |
| 71000095 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | No Credit Findings | Credit | Resolved | 02/25/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000095 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000101 | XXXXX |  | XXX | XXX | XXX | FCRE1188 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/13/2026 | Audited CLTV Exceeds AUS CLTV | Credit | Resolved | 03/11/2026 | 1 | Audited CLTV Exceeds AUS CLTV |  | Audited CLTV of 63.7% exceeds AUS CLTV of 56% File contains XXX appraisals. DU submission #XXX used an appraised value of XXX but the lowest appraised value of XXX should have been used. As a result, the Audit CLTV of 63.70% exceeds the DU approved CLTV of 56.00%. A revised DU reflecting the correct appraised value and CLTV is required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.7% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Audited CLTV of 63.7% is less than or equal to AUS CLTV of 64% |
| 71000101 | XXXXX |  | XXX | XXX | XXX | FCRE1189 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/13/2026 | Audited HCLTV Exceeds AUS HCLTV | Credit | Resolved | 03/11/2026 | 1 | Audited HCLTV Exceeds AUS HCLTV |  | Audited HCLTV of 63.7% exceeds AUS HCLTV of 56% File contains XXX appraisals. DU submission #XXX used an appraised value of XXX but the lowest appraised value of XXX should have been used. As a result, the Audit HCLTV of 63.70% exceeds the DU approved HCLTV of 56.00%. A revised DU reflecting the correct appraised value and HCLTV is required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.7% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Audited HCLTV of 63.7% is less than or equal to AUS HCLTV of 64% |
| 71000101 | XXXXX |  | XXX | XXX | XXX | FCRE1187 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/13/2026 | Audited LTV Exceeds AUS LTV | Credit | Resolved | 03/11/2026 | 1 | Audited LTV Exceeds AUS LTV |  | Audited LTV of 63.7% exceeds AUS CLTV of 56% File contains XXX appraisals. DU submission #XXX used an appraised value of XXX but the lowest appraised value of XXX should have been used. As a result, the Audit LTV of 63.70% exceeds the DU approved LTV of 56.00%. A revised DU reflecting the correct appraised value and LTV is required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.7% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Audited LTV of 63.7% is less than or equal to AUS CLTV of 64%; Client provided Corrected XXX and DU. LM Updated. |
| 71000101 | XXXXX |  | XXX | XXX | XXX | FCRE1185 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | AUS Partially Provided | Credit | Resolved | 02/27/2026 | 1 | AUS Partially Provided |  | AUS Partially Provided DU submission #XXX is incomplete as it is missing everything after condition #XXX. A complete copy of the AUS with all conditions and the Underwriting Analysis Report is required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.7% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | AUS is not incomplete; Client provided Complete copy of DU dated XX/XX/XXXX. LM Updated. |
| 71000101 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/12/2026 | No Compliance Findings | Compliance | Resolved | 02/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.7% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000101 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/13/2026 | No Property Findings | Property | Resolved | 02/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.7% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000117 | XXXXX |  | XXX | XXX | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/23/2026 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Credit | Resolved | 03/16/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Please provide verification for the hazard insurance for the Borrower's property located at XXX. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.83% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.83% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client States: This property, the departing resident property, is paid off and as far as I know, the law does not require them to have HOI. Am I wrong? LM Updated. |
| 71000117 | XXXXX |  | XXX | XXX | XXX | FCOM1221 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/23/2026 | The Deed of Trust is Incomplete | Credit | Resolved | 02/06/2026 | 1 | The Deed of Trust is Incomplete |  | The Deed of Trust is Incomplete Please provide an updated Final 1003 with the applicable monthly payments for the Borrower's properties located at XXX and XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.83% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.83% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | The Deed of Trust is Present and Complete; Rescinded. Properties are paid by business. ; The Deed of Trust is Incomplete Please provide an updated Final 1003 with the applicable monthly payments for the Borrower's properties located at XXX XXX. |
| 71000117 | XXXXX |  | XXX | XXX | XXX | finding-3635 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/26/2026 | Charges That In Total Cannot Increase More Than 10% Test | Compliance | Resolved | 01/30/2026 | 1 | Charges That In Total Cannot Increase More Than 10% Test |  | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the processing fee. Final Charges That In Total Cannot Increase More Than XXX% Total XXX include XXX settlement, XXX CPL XXX Title Processing and XXX Recording. Comparable Charges That In Total Cannot Increase More Than XXX% Total XXX include XXX settlement, XXX CPL and XXX recording. Tolerance variance amount for charges that in total cannot increase more than XXX% total XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.83% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.83% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Lender confirmed the title processing and title admin fee were the same fee; Exception resolved; Lender confirmed the title processing and title admin fee were the same fee; Exception resolved |
| 71000005 | XXXXX |  | XXX | XXX | XXX | FCRE1491 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/29/2026 | Asset Qualification Does Not Meet Guideline Requirements | Credit | Resolved | 02/16/2026 | 1 | Asset Qualification Does Not Meet Guideline Requirements |  | Asset Qualification Does Not Meet Guideline Requirements Missing Life insurance policies that reflect cash value. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Asset Qualification Meets Guideline Requirements; Email and Policy Status provided. ; Asset Qualification Does Not Meet Guideline Requirements Missing Life insurance policies that reflect cash value. |
| 71000005 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/29/2026 | No Property Findings | Property | Resolved | 01/30/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000005 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/29/2026 | No Compliance Findings | Compliance | Resolved | 01/30/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000057 | XXXXX |  | XXX | XXX | XXX | FCRE7497 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/17/2026 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Credit | Resolved | 03/09/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Missing verification of hazard premium for XXX. The file does contain a hazard policy for the property but it does not reflect a premium amount. In addition, documentation is required verifying if there is an HOA on the property. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client provided Hazard Declarations reflecting the Policy Premium and HOA Statement. LM Updated. |
| 71000057 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000057 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/17/2026 | No Compliance Findings | Compliance | Resolved | 02/17/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000037 | XXXXX |  | XXX | XXX | XXX | FCRE1119 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/02/2026 | Borrower 2 Deed of Trust Signature does not match Note | Credit | Resolved | 03/11/2026 | 1 | Borrower 2 Deed of Trust Signature does not match Note |  | Borrower 2 Signature does not match Note | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Client provided Executed Note. Signatures match. LM Updated.; Borrower 2 Signature matches Note |
| 71000037 | XXXXX |  | XXX | XXX | XXX | FCRE1118 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/02/2026 | Borrower 1 Deed of Trust Signature does not match Note | Credit | Resolved | 03/11/2026 | 1 | Borrower 1 Deed of Trust Signature does not match Note |  | Borrower 1 Signature does not match Note | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Client provided Executed Note. Signatures match. LM Updated.; Borrower 1 Signature matches Note |
| 71000037 | XXXXX |  | XXX | XXX | XXX | FCOM1206 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/02/2026 | The Note is Missing | Credit | Resolved | 03/11/2026 | 1 | The Note is Missing |  | The Note is Missing. Documentation required to clear exception, The Note is Missing. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | The Note is Present.; Client provided Executed Note. LM Updated. |
| 71000037 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Property Findings | Property | Resolved | 03/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000037 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | No Compliance Findings | Compliance | Resolved | 03/04/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000081 | XXXXX |  | XXX | XXX | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Charges That Cannot Increase Test | Compliance | Cured | 03/14/2026 | 2 | Charges That Cannot Increase Test |  | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Credit Report from XXX to XXX --No valid COC in file | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B |
| 71000081 | XXXXX |  | XXX | XXX | XXX | FCRE1964 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | Missing income documentation | Credit | Resolved | 03/06/2026 | 1 | Missing income documentation |  | For XXX Provide the most recent XXX Bank Statement to document ownership of the asset for the dividend income used for qualifying | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client provided the Borrower's XXX and XXX Tax Returns to verify Dividends used to qualify. LM Updated. |
| 71000081 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000039 | XXXXX |  | XXX | XXX | XXX | FCRE1159 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/29/2026 | Hazard Insurance Effective Date is after the Disbursement Date | Credit | Acknowledged | 02/13/2026 | 2 | Hazard Insurance Effective Date is after the Disbursement Date |  | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Client sent in attestation, "I, XXX, hereby attest to the following: ● Between the dates of XX/XX/XXXX (Closing) and XX/XX/XXXX (effective date of insurance), XXX has not been notified or made aware of any insurance claims against the property by the consumer or applicable third party. As of XX/XX/XXXX the insurance policy became effective and remains in effect until its Stated expiration date of XX/XX/XXXX." Acknowledged. ; Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. |
| 71000039 | XXXXX |  | XXX | XXX | XXX | finding-3652 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/29/2026 | Lender Credits That Cannot Decrease Test | Compliance | Resolved | 02/12/2026 | 1 | Lender Credits That Cannot Decrease Test |  | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The decrease occurred on Final CD dated XX/XX/XXXX. Final CD shows a rate reduction but a corresponding COC or dated pricing change was not found in the loan file. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
| 71000039 | XXXXX |  | XXX | XXX | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/29/2026 | Charges That Cannot Increase Test | Compliance | Resolved | 02/12/2026 | 1 | Charges That Cannot Increase Test |  | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount points added to CD XX/XX/XXXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
| 71000039 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/29/2026 | No Property Findings | Property | Resolved | 01/30/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000015 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000015 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000015 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Compliance Findings | Compliance | Resolved | 03/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000179 | XXXXX |  | XXX | XXX | XXX | FCRE1146 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 2/10/2026 | Title Document is Partially Present | Credit | Cleared | 3/18/2026 | 1 | Title Document is Partially Present |  | Title Document is incomplete or only partially present. Proposed Amount of Insurance to match final Note. Title commitment provided with XXX loan amount and note is XXX | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Title Document is fully Present.; Commitment provided. |
| 71000179 | XXXXX |  | XXX | XXX | XXX | FCRE1185 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 2/10/2026 | AUS Partially Provided | Credit | Cleared | 2/23/2026 | 1 | AUS Partially Provided |  | AUS Partially Provided Underwriting Analysis Report for final Submission #XXX missing. Only half of DU report found in loan file. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | AUS is not incomplete; Client provided the Full DU dated XX/XX/XXXX. LM Updated. |
| 71000179 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 2/10/2026 | No Property Findings | Property | Cleared | 2/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000179 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 2/11/2026 | No Compliance Findings | Compliance | Cleared | 2/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000113 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Property Findings | Property | Resolved | 03/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.81% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000113 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Credit Findings | Credit | Resolved | 03/14/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.81% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000113 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Compliance Findings | Compliance | Resolved | 03/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.81% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000071 | XXXXX |  | XXX | XXX | XXX | FCRE1148 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Title Coverage is Less than Subject Lien | Credit | Acknowledged | 03/13/2026 | 2 | Title Coverage is Less than Subject Lien |  | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title coverage amount is XXX as per the Title Commitment; U/W comment: Title Coverage – Subject Lien Shortfall Per the Title Commitment (Schedule A, Policy 2b), the ALTA XXX Loan Policy proposed amount of insurance is $XXX; however, the loan amount is $XXX. Title coverage must be updated to reflect a minimum of XXX to fully cover the subject lien — to provide an updated Title Commitment reflecting the corrected coverage amount prior to closing. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.39% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.39% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000071 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.39% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.39% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000071 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Compliance Findings | Compliance | Resolved | 03/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.39% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.39% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000115 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/11/2026 | No Credit Findings | Credit | Resolved | 02/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.36% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.36% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000115 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/11/2026 | No Compliance Findings | Compliance | Resolved | 02/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.36% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.36% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000115 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/12/2026 | No Property Findings | Property | Resolved | 02/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.36% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.36% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000087 | XXXXX |  | XXX | XXX | XXX | finding-3652 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Lender Credits That Cannot Decrease Test | Compliance | Resolved | 03/15/2026 | 1 | Lender Credits That Cannot Decrease Test |  | TILA 130 required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery or valid coc. The Lender credit decreased on the CD issued XX/XX/XXXX without a valid reason given within XXX business days of disclosure. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63% is less than Guideline LTV of 89.99% |  | Closed | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved |
| 71000087 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Credit Findings | Credit | Resolved | 03/04/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000087 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Property Findings | Property | Resolved | 03/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000091 | XXXXX |  | XXX | XXX | XXX | FCRE1204 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Fraud Report Shows Uncleared Alerts | Credit | Resolved | 03/17/2026 | 1 | Fraud Report Shows Uncleared Alerts |  | Fraud Report Shows Uncleared Alerts Fraud report provided reflects a DRIVE score of XXX and status of Auto Refer. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | All Fraud Report Alerts have been cleared or None Exist; Client provided Fraud Report reflecting pass. LM Updated. |
| 71000091 | XXXXX |  | XXX | XXX | XXX | FCRE1203 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Potential Fraud Reflected on Fraud Report | Credit | Resolved | 03/17/2026 | 1 | Potential Fraud Reflected on Fraud Report |  | Potential Fraud Reflected on Fraud Report Fraud report provided reflects a DRIVE score of XXX and status of Auto Refer. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Potential Fraud Reflected on Fraud Report is Resolved or None Exists |
| 71000091 | XXXXX |  | XXX | XXX | XXX | FCRE1441 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Delinquent Credit History Does Not Meet Guideline Requirements | Credit | Resolved | 03/11/2026 | 1 | Delinquent Credit History Does Not Meet Guideline Requirements |  | Delinquent Credit History Does Not Meet Guideline Requirements AUS required evidence of payoff of collection account with balance exceeding XXX missing. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Delinquent Credit History Meets Guideline Requirements; Client provided Payment Receipt from IC System for XXX payment received and reflecting a XXX balance. LM Updated. |
| 71000091 | XXXXX |  | XXX | XXX | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Credit | Resolved | 03/11/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Primary residence is a condominium and evidence of HOA dues not provided. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client re-uploaded page XXX of the Appraisal reflecting HOA XXX per year. LM Updated. |
| 71000091 | XXXXX |  | XXX | XXX | XXX | FCRE4989 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Collections, liens or judgments not paid at closing | Credit | Resolved | 03/11/2026 | 1 | Collections, liens or judgments not paid at closing |  | AUS required evidence of payoff of collection account with balance exceeding XXX missing. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | ; Client provided Payment Receipt from XXX for XXX payment received and reflecting a XXX balance. LM Updated. |
| 71000091 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Compliance Findings | Compliance | Resolved | 03/04/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000091 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Property Findings | Property | Resolved | 03/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000031 | XXXXX |  | XXX | XXX | XXX | finding-3652 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Lender Credits That Cannot Decrease Test | Compliance | Resolved | 03/15/2026 | 1 | Lender Credits That Cannot Decrease Test |  | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required: Cure of XXX required for Lender Credit decreased; cure package requires PCCD, LOE, copy of refund check proof of delivery or valid coc. The CD's are missing evidence of receipt from borrower's please provide. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% |  | Closed | Revised CD receipt date provided; exception resolved; Revised CD receipt date provided; exception resolved |
| 71000031 | XXXXX |  | XXX | XXX | XXX | finding-3634 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Charges That Cannot Increase Test | Compliance | Resolved | 03/15/2026 | 1 | Charges That Cannot Increase Test |  | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130B Cure Required, refund in the amount of XXX Broker Fee increase, Cure package requires PCCD, LOE, copy of refund check proof of delivery or valid coc. The CD's are missing evidence of receipt from borrower's please provide. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% |  | Closed | Revised CD receipt date provided; exception resolved; Revised CD receipt date provided; exception resolved |
| 71000031 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Credit Findings | Credit | Resolved | 03/04/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000031 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Property Findings | Property | Resolved | 03/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000009 | XXXXX |  | XXX | XXX | XXX | FCRE3653 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/12/2026 | Missing letter of explanation | Credit | Resolved | 03/02/2026 | 1 | Missing letter of explanation |  | Provide letter of explanation for HOA dues for properties at XXX and XXX not contained in file. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Client provided HOA Statement for XXX and Deed of Trust reflecting property is not a PUD or Condo. LM Updated. |
| 71000009 | XXXXX |  | XXX | XXX | XXX | FCRE1325 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/12/2026 | Borrower 1 CPA Letter Missing | Credit | Resolved | 02/24/2026 | 1 | Borrower 1 CPA Letter Missing |  | Borrower 1 CPA Letter Missing Provide CPA letter/3rd Party Verification for Borrower 1 business, not contained in file. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Client State: CPA name on the XXX for his Schedule C business is XXX. CPA letter stating that he is self employed and the business is open and operating. CPA letter in file. LM Updated.; Borrower 1 CPA Letter Provided |
| 71000009 | XXXXX |  | XXX | XXX | XXX | FCRE1185 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/12/2026 | AUS Partially Provided | Credit | Resolved | 02/24/2026 | 1 | AUS Partially Provided |  | AUS Partially Provided Provide updated AUS/DU Findings, document contained in file reported monthly Taxes and Insurance not matching documentation and Final XXX contained in file. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Client provided Original DU submission. Updated LM with most up to date DU.; AUS is not incomplete |
| 71000009 | XXXXX |  | XXX | XXX | XXX | FCRE1186 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/12/2026 | Audited DTI Exceeds AUS DTI | Credit | Resolved | 02/24/2026 | 1 | Audited DTI Exceeds AUS DTI |  | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI of XXX% exceeds AUS DTI of XXX% due AUS contained in file Taxes and Insurance not matching documentation provided for subject property XXX) Supporting documentation for Mortgage, Principal, Interest and Insurance for XXX and XXX differ from reported expenses causing DTI to increase. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% |
| 71000009 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/12/2026 | No Compliance Findings | Compliance | Resolved | 02/13/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000009 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/12/2026 | No Property Findings | Property | Resolved | 02/13/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000013 | XXXXX |  | XXX | XXX | XXX | FPRO9990 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | Third Party Valuation Product Not Provided within 10% Tolerance | Property | Acknowledged | 03/05/2026 | 2 | Third Party Valuation Product Not Provided within 10% Tolerance |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. A Document File ID from XXX that matches the Appraisal Identifier could not be found | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.15% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.15% is less than Guideline CLTV of 89.99% |  | Closed | Acknowledged; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FSD XXX is within parameters. ; Client provided XXX. However, HVE has an FSD score of XXX% FSD is Greater than XXX% tolerance. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FSD XXX is within parameters. ; Client provided XXX. LM Updated. |
| 71000013 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/17/2026 | No Compliance Findings | Compliance | Resolved | 02/17/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.15% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.15% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000013 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/17/2026 | No Credit Findings | Credit | Resolved | 02/17/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.15% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.15% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000175 | XXXXX |  | XXX | XXX | XXX | FCRE7496 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Credit | Cleared | 3/18/2026 | 1 | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments |  | This loan includes an HOA fee, but the supporting documentation was not provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.69% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.69% is less than Guideline CLTV of 89.99% |  | Closed | DU updated removing HOA fee |
| 71000175 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Compliance Findings | Compliance | Cleared | 3/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.69% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.69% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000175 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Property Findings | Property | Cleared | 3/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.69% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.69% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000107 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 03/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required, but missing from the file. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000107 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | No Credit Findings | Credit | Resolved | 02/25/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000107 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000003 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Credit Findings | Credit | Resolved | 03/14/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.3% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.3% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000003 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Property Findings | Property | Resolved | 03/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.3% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.3% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000003 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Compliance Findings | Compliance | Resolved | 03/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.3% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.3% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000029 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/11/2026 | No Property Findings | Property | Resolved | 02/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000029 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/11/2026 | No Compliance Findings | Compliance | Resolved | 02/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000177 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/4/2026 | No Property Findings | Property | Cleared | 3/4/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.32% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.32% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000177 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/4/2026 | No Credit Findings | Credit | Cleared | 3/4/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.32% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.32% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000177 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/4/2026 | No Compliance Findings | Compliance | Cleared | 3/4/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.32% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.32% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000047 | XXXXX |  | XXX | XXX | XXX | finding-3652 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | Lender Credits That Cannot Decrease Test | Compliance | Resolved | 03/01/2026 | 1 | Lender Credits That Cannot Decrease Test |  | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on initial CD to XXX on Final CD (after XXX cure was applied). The lender credit decreased on final CD dated XX/XX/XXXX without a COC or pricing change found in the loan file. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
| 71000047 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | No Credit Findings | Credit | Resolved | 02/17/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000047 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000167 | XXXXX |  | XXX | XXX | XXX | FCRE1186 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/3/2026 | Audited DTI Exceeds AUS DTI | Credit | Cleared | 3/11/2026 | 1 | Audited DTI Exceeds AUS DTI |  | Audited DTI of XXX% exceeds AUS DTI of XXX% The lender used a hazard payment of XXX but the actual payment per the policy is XXX In addition. DU used a payment of XXX for the REO on XXX, but the Final 1003 and documents in file support a payment of $XXX. As a result, Audit's DTI exceeds DU and the XXX% resubmission tolerance. A revised DU is required. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 80% |  | Closed | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Client provided Corrected DU. LM Updated. |
| 71000167 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/3/2026 | No Property Findings | Property | Cleared | 3/4/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 80% |  | Closed | Informational |
| 71000167 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/3/2026 | No Compliance Findings | Compliance | Cleared | 3/4/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 80% |  | Closed | Informational |
| 71000027 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.85% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.85% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000027 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.85% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.85% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000027 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Compliance Findings | Compliance | Resolved | 03/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.85% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.85% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000021 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000021 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000021 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Compliance Findings | Compliance | Resolved | 03/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000193 | XXXXX |  | XXX | XXX | XXX | FCRE5116 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/3/2026 | Missing VOM or VOR | Credit | Cleared | 3/18/2026 | 1 | Missing VOM or VOR |  | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing verification of the XXX XXX mortgage payments for the two investment property mortgages. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Updated credit provided current through XX/XX/XXXX for XXX and XX/XX/XXXX XXX for investment properties. |
| 71000193 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/4/2026 | No Property Findings | Property | Cleared | 3/6/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000193 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/4/2026 | No Compliance Findings | Compliance | Cleared | 3/6/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000067 | XXXXX |  | XXX | XXX | XXX | finding-3652 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Lender Credits That Cannot Decrease Test | Compliance | Resolved | 03/10/2026 | 1 | Lender Credits That Cannot Decrease Test |  | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the Lender Credit decrease on the LE dated XXX and the COC in the file does not explain the reason for the decrease. Please provide a Valid COC or Cure Package | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the Lender Credit decrease on the LE dated XXX and the COC in the file does not explain the reason for the decrease. Please provide a Valid COC or Cure Package |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
| 71000067 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/23/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Closed | Informational |
| 71000067 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/23/2026 | No Credit Findings | Credit | Resolved | 02/25/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Closed | Informational |
| 71000131 | XXXXX |  | XXX | XXX | XXX | FPRO3678 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/4/2026 | Property Issue(s) are Present | Property | Acknowledged by Client | 3/18/2026 | 2 | Property Issue(s) are Present |  | One or more issues or defects with the property have been discovered. Original appraisal made subject to repairs. Updated appraisal with lowered value and comments that Lender was O. with repairs not being completed. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.21% is less than Guideline CLTV of 89.9% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.21% is less than Guideline LTV of 89.9% |  | Closed | Client acknowledges and States non material |
| 71000131 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/4/2026 | No Credit Findings | Credit | Cleared | 3/6/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.21% is less than Guideline CLTV of 89.9% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.21% is less than Guideline LTV of 89.9% |  | Closed | Informational |
| 71000131 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/5/2026 | No Compliance Findings | Compliance | Cleared | 3/6/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.21% is less than Guideline CLTV of 89.9% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.21% is less than Guideline LTV of 89.9% |  | Closed | Informational |
| 71000155 | XXXXX |  | XXX | XXX | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 2/17/2026 | Charges That Cannot Increase Test | Compliance | Cleared | 3/1/2026 | 1 | Charges That Cannot Increase Test |  | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee added on LE dated XX/XX/XXXX. The COC dated XX/XX/XXXX was provided but does not State why the fee increased. Please provide a more detailed explanation why the fee increased. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
| 71000155 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 2/16/2026 | No Property Findings | Property | Cleared | 2/18/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% |  | Closed | Informational |
| 71000155 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 2/17/2026 | No Credit Findings | Credit | Cleared | 2/18/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% |  | Closed | Informational |
| 71000187 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Credit Findings | Credit | Cleared | 3/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.86% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.86% is less than Guideline CLTV of 75% |  | Closed | Informational |
| 71000187 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Property Findings | Property | Cleared | 3/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.86% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.86% is less than Guideline CLTV of 75% |  | Closed | Informational |
| 71000187 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/11/2026 | No Compliance Findings | Compliance | Cleared | 3/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.86% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.86% is less than Guideline CLTV of 75% |  | Closed | Informational |
| 71000163 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Credit Findings | Credit | Cleared | 3/14/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.26% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.26% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000163 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Property Findings | Property | Cleared | 3/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.26% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.26% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000163 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Compliance Findings | Compliance | Cleared | 3/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.26% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.26% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000137 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Credit Findings | Credit | Cleared | 3/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.72% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.72% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000137 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Property Findings | Property | Cleared | 3/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.72% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.72% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000137 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/11/2026 | No Compliance Findings | Compliance | Cleared | 3/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.72% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.72% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000059 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Compliance Findings | Compliance | Resolved | 03/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000059 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Credit Findings | Credit | Resolved | 03/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000059 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Property Findings | Property | Resolved | 03/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000135 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Property Findings | Property | Cleared | 3/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000135 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/11/2026 | No Credit Findings | Credit | Cleared | 3/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000135 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/11/2026 | No Compliance Findings | Compliance | Cleared | 3/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000093 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | No Compliance Findings | Compliance | Resolved | 03/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000093 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | No Property Findings | Property | Resolved | 03/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000093 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | No Credit Findings | Credit | Resolved | 03/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000143 | XXXXX |  | XXX | XXX | XXX | FPRO9990 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/5/2026 | Third Party Valuation Product Not Provided within 10% Tolerance | Property | Cleared | 3/13/2026 | 1 | Third Party Valuation Product Not Provided within 10% Tolerance |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The third party valuation was not within tolerance. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Third party valuation product provided within tolerance.; Client provided XXX. LM Updated. |
| 71000143 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/5/2026 | No Credit Findings | Credit | Cleared | 3/9/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000143 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/6/2026 | No Compliance Findings | Compliance | Cleared | 3/9/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000043 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 03/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.87% is less than Guideline CLTV of 84.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.87% is less than Guideline LTV of 84.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000043 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.87% is less than Guideline CLTV of 84.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.87% is less than Guideline LTV of 84.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000043 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Credit Findings | Credit | Resolved | 03/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.87% is less than Guideline CLTV of 84.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.87% is less than Guideline LTV of 84.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000063 | XXXXX |  | XXX | XXX | XXX | FCRE1347 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/23/2026 | Borrower 2 3rd Party VOE Prior to Close Missing | Credit | Resolved | 03/03/2026 | 1 | Borrower 2 3rd Party VOE Prior to Close Missing |  | Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); Client provided VVOE for B2 dated XX/XX/XXXX. LM Updated. |
| 71000063 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | No Compliance Findings | Compliance | Resolved | 02/25/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000063 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000097 | XXXXX |  | XXX | XXX | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Charges That Cannot Increase Test | Compliance | Resolved | 03/10/2026 | 1 | Charges That Cannot Increase Test |  | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan Discount Fee on CD XX/XX/XXXX. | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.43% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.43% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
| 71000097 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.43% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.43% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000097 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | No Credit Findings | Credit | Resolved | 02/25/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.43% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.43% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000153 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged by Client | 3/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000153 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Property Findings | Property | Cleared | 3/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000153 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Credit Findings | Credit | Cleared | 3/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000079 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000079 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000079 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Compliance Findings | Compliance | Resolved | 03/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000099 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.49% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.49% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000099 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.49% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.49% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000099 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Compliance Findings | Compliance | Resolved | 03/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.49% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.49% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000069 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000069 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000069 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Compliance Findings | Compliance | Resolved | 03/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000033 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000033 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000033 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Compliance Findings | Compliance | Resolved | 03/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000157 | XXXXX |  | XXX | XXX | XXX | FPRO9990 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | Third Party Valuation Product Not Provided within 10% Tolerance | Property | Cleared | 3/18/2026 | 1 | Third Party Valuation Product Not Provided within 10% Tolerance |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV Document is missing in File | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.52% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Third party valuation product provided within tolerance.; XXX provided |
| 71000157 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/11/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged by Client | 3/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The borrower signed the XXX day delivery waiver, but there is no evidence confirming a copy of the appraisal was provided at consummation XX/XX/XXXX. Provide evidence when the report was given to confirm timing requirements are met. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.52% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000157 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Credit Findings | Credit | Cleared | 3/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.52% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000125 | XXXXX |  | XXX | XXX | XXX | FCRE1148 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | Title Coverage is Less than Subject Lien | Credit | Acknowledged | 03/14/2026 | 2 | Title Coverage is Less than Subject Lien |  | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title commitment in file reflects a proposed coverage amount of XXX which is less than the loan amount of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.61% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.61% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000125 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Compliance Findings | Compliance | Resolved | 03/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.61% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.61% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000125 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Property Findings | Property | Resolved | 03/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.61% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.61% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000065 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000065 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000065 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Compliance Findings | Compliance | Resolved | 03/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000173 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Property Findings | Property | Cleared | 3/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.27% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.27% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000173 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Compliance Findings | Compliance | Cleared | 3/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.27% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.27% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000173 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Credit Findings | Credit | Cleared | 3/14/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.27% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.27% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000139 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Compliance Findings | Compliance | Cleared | 3/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68% is less than Guideline CLTV of 80% |  | Closed | Informational |
| 71000139 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Property Findings | Property | Cleared | 3/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68% is less than Guideline CLTV of 80% |  | Closed | Informational |
| 71000139 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Credit Findings | Credit | Cleared | 3/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68% is less than Guideline CLTV of 80% |  | Closed | Informational |
| 71000049 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000049 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000049 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Compliance Findings | Compliance | Resolved | 03/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000161 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/9/2026 | No Compliance Findings | Compliance | Cleared | 3/9/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000161 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/9/2026 | No Credit Findings | Credit | Cleared | 3/9/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000161 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/9/2026 | No Property Findings | Property | Cleared | 3/9/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000151 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | Third Party Valuation Product Not Provided within 10% Tolerance | Property | Acknowledged by Client | 3/12/2026 | 2 | Third Party Valuation Product Not Provided within 10% Tolerance |  | Third Party Valuation Product Not Provided within XXX% Tolerance | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.06% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.06% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Additional valuation supports appraised value |
| 71000151 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Credit Findings | Credit | Cleared | 3/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.06% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.06% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000151 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Compliance Findings | Compliance | Cleared | 3/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.06% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.06% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000165 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Compliance Findings | Compliance | Cleared | 3/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.99% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000165 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Credit Findings | Credit | Cleared | 3/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.99% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000165 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Property Findings | Property | Cleared | 3/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.99% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.99% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000083 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000083 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Compliance Findings | Compliance | Resolved | 03/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000083 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Credit Findings | Credit | Resolved | 03/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000197 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Credit Findings | Credit | Cleared | 3/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000197 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Property Findings | Property | Cleared | 3/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000197 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Compliance Findings | Compliance | Cleared | 3/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000189 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Compliance Findings | Compliance | Cleared | 3/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.68% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.68% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000189 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Credit Findings | Credit | Cleared | 3/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.68% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.68% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000189 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Property Findings | Property | Cleared | 3/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.68% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.68% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000159 | XXXXX |  | XXX | XXX | XXX | FPRO0947 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | External Obsolescence Present | Property | Acknowledged by Client | 3/14/2026 | 2 | External Obsolescence Present |  | External obsolescence present. The subject is located by a busy road and has adverse impact on the marketability. Provided a written explanation from the appraiser or additional supporting documentation addressing now this location affects the market value and marketability of the property, and confirm that the appraised value is reflective of current market condition. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000159 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Credit Findings | Credit | Cleared | 3/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000159 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Compliance Findings | Compliance | Cleared | 3/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000133 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/4/2026 | No Property Findings | Property | Cleared | 3/6/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000133 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/4/2026 | No Credit Findings | Credit | Cleared | 3/6/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000133 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/5/2026 | No Compliance Findings | Compliance | Cleared | 3/6/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000145 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Compliance Findings | Compliance | Cleared | 3/17/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational Only |
| 71000145 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Credit Findings | Credit | Cleared | 3/17/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational Only |
| 71000145 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Property Findings | Property | Cleared | 3/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational Only |
| 71000075 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000075 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000075 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Compliance Findings | Compliance | Resolved | 03/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000007 | XXXXX |  | XXX | XXX | XXX | FCRE7496 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Credit | Resolved | 03/13/2026 | 1 | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments |  | The XXX Transmittal Summary reflects the borrower is responsible for a XXX in monthly HOA Dues on the subject property, However missing verification of HOA Dues. there is also a quarterly assessments notice on file of XXX that needs clarification if it is separated or part of the regular HOA Association fee. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client provided Comprehensive Rider to the Residential Contract for Sale and Purchase reflecting XXX in semi-annual dues. LM Updated. |
| 71000007 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 03/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to cure: The appraisal receipt was not delivered within XXX business days of loan consummation. The appraisal was delivered on XX/XX/XXXX, XXX business days prior to consummation date of XX/XX/XXXX and the borrower did not sign a timing waiver. Provide evidence the appraisal was issued prior to XXX days of loan consummation. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000007 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000195 | XXXXX |  | XXX | XXX | XXX | FPRO9990 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | Third Party Valuation Product Not Provided within 10% Tolerance | Property | Cleared | 3/18/2026 | 1 | Third Party Valuation Product Not Provided within 10% Tolerance |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 89.99% |  | Closed | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided; HVE provided |
| 71000195 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Credit Findings | Credit | Cleared | 3/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000195 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/11/2026 | No Compliance Findings | Compliance | Cleared | 3/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000199 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Compliance Findings | Compliance | Cleared | 3/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000199 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Property Findings | Property | Cleared | 3/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000199 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Credit Findings | Credit | Cleared | 3/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000127 | XXXXX |  | XXX | XXX | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/26/2026 | Charges That Cannot Increase Test | Compliance | Cured | 02/05/2026 | 2 | Charges That Cannot Increase Test |  | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the credit report fee on CD XX/XX/XXXX without a COC. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease 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). | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B |
| 71000127 | XXXXX |  | XXX | XXX | XXX | FPRO9990 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/26/2026 | Third Party Valuation Product Not Provided within 10% Tolerance | Property | Resolved | 02/13/2026 | 1 | Third Party Valuation Product Not Provided within 10% Tolerance |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide additional assessment for subject property XXX or XXX, CU score greater than XXX. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide additional assessment for subject property XXX or XXX, CU score greater than XXX. |
| 71000127 | XXXXX |  | XXX | XXX | XXX | FCRE1186 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/26/2026 | Audited DTI Exceeds AUS DTI | Credit | Resolved | 02/05/2026 | 1 | Audited DTI Exceeds AUS DTI |  | Audited DTI of XXX% exceeds AUS DTI of XXX% Provide updated AUS/DU Finding to match information on XXX Audited DTI of XXX% in line with XXX but not AUS Findings. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Updated 1008 and 1003. ; Audited DTI of XXX% exceeds AUS DTI of XXX% Provide updated AUS/DU Finding to match information on XXX Audited DTI of XXX% in line with XXX but not AUS Findings. |
| 71000127 | XXXXX |  | XXX | XXX | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/26/2026 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Credit | Resolved | 02/04/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Provide verification/LOE for HOA Dues for primary residence at XXX XXX. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client provided primary residence evidence of no HOA. Resolved. |
| 71000119 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/22/2026 | No Compliance Findings | Compliance | Resolved | 01/26/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Cleared |
| 71000119 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/22/2026 | No Property Findings | Property | Resolved | 01/26/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Cleared |
| 71000119 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/24/2026 | No Credit Findings | Credit | Resolved | 01/26/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Cleared |
| 71000129 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 03/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.42% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.42% is less than Guideline LTV of 89.99% |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000129 | XXXXX |  | XXX | XXX | XXX | finding-3634 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Charges That Cannot Increase Test | Compliance | Resolved | 03/10/2026 | 1 | Charges That Cannot Increase Test |  | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX.; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to an addition of Appraisal Field Review on the revised CD dated XX/XX/XXXX. A non-specific COC was in file dated XX/XX/XXXX, and the desk review report in file is dated XX/XX/XXXX. A cure was already provided for the increase in Recording Fee. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.42% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.42% is less than Guideline LTV of 89.99% |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
| 71000129 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | No Credit Findings | Credit | Resolved | 02/25/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.42% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.42% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000129 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.42% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.42% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000073 | XXXXX |  | XXX | XXX | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Credit | Resolved | 03/11/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Missing K-XXX for XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client provided XXX K-XXX for XXX. LM Updated. |
| 71000073 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000073 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | No Compliance Findings | Compliance | Resolved | 02/25/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000061 | XXXXX |  | XXX | XXX | XXX | FCRE1148 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Title Coverage is Less than Subject Lien | Credit | Acknowledged | 03/13/2026 | 2 | Title Coverage is Less than Subject Lien |  | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Client provided Preliminary Title Report. However, Title Coverage amount was not provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000061 | XXXXX |  | XXX | XXX | XXX | FCRE1145 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | Title Document Missing | Credit | Resolved | 03/03/2026 | 1 | Title Document Missing |  | Title Document is missing | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Title Document is fully Present; Client provided Preliminary Title Report. LM Updated. |
| 71000061 | XXXXX |  | XXX | XXX | XXX | FCRE3843 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/18/2026 | Guideline Seasoning not Met | Credit | Resolved | 02/27/2026 | 1 | Guideline Seasoning not Met |  | The required number of months reserves are to be seasoned does not meet Guideline requirement. File is missing all asset accounts listed on the 1003. XXX #XXX & #XXX. XXX #XXX & #XXX. XXX #XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Client provided Bank Statements for XXX #XXX & #XXX. XXX #XXX & #XXX. XXX #XXX. LM Updated. ; The required number of months reserves are to be seasoned does meet Guideline requirement. |
| 71000061 | XXXXX |  | XXX | XXX | XXX | FCRE1491 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/18/2026 | Asset Qualification Does Not Meet Guideline Requirements | Credit | Resolved | 02/27/2026 | 1 | Asset Qualification Does Not Meet Guideline Requirements |  | Asset Qualification Does Not Meet Guideline Requirements File is missing all asset accounts listed on the 1003. XXX #XXX & #XXX. XXX #XXX & #XXX. XXX #XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Client provided Bank Statements for XXX #XXX & #XXX. XXX #XXX & #XXX. XXX #XXX. LM Updated. ; Asset Qualification Meets Guideline Requirements |
| 71000061 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/18/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000061 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/17/2026 | No Compliance Findings | Compliance | Resolved | 02/18/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000025 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Property Findings | Property | Resolved | 03/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.98% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000025 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Credit Findings | Credit | Resolved | 03/04/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.98% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000025 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | No Compliance Findings | Compliance | Resolved | 03/04/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.98% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000019 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Property Findings | Property | Resolved | 03/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000019 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Compliance Findings | Compliance | Resolved | 03/12/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000019 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | No Credit Findings | Credit | Resolved | 03/12/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000141 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Property Findings | Property | Cleared | 3/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.53% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.53% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000141 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Credit Findings | Credit | Cleared | 3/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.53% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.53% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000141 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Compliance Findings | Compliance | Cleared | 3/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.53% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.53% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000045 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Compliance Findings | Compliance | Resolved | 03/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000045 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Property Findings | Property | Resolved | 03/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000045 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | No Credit Findings | Credit | Resolved | 03/14/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000181 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Credit Findings | Credit | Cleared | 3/14/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.68% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.68% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000181 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Property Findings | Property | Cleared | 3/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.68% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.68% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000181 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/12/2026 | No Compliance Findings | Compliance | Cleared | 3/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.68% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.68% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000103 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | No Compliance Findings | Compliance | Resolved | 03/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000103 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | No Credit Findings | Credit | Resolved | 03/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000103 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | No Property Findings | Property | Resolved | 03/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000169 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Credit Findings | Credit | Cleared | 3/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000169 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | Third Party Valuation Product Not Provided within 10% Tolerance | Property | Acknowledged by Client | 3/16/2026 | 2 | Third Party Valuation Product Not Provided within 10% Tolerance |  | Third Party Valuation Product Not Provided within XXX% Tolerance | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Additional valuation supports appraised value |
| 71000169 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Compliance Findings | Compliance | Cleared | 3/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000085 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | No Property Findings | Property | Resolved | 03/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000085 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | No Compliance Findings | Compliance | Resolved | 03/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000085 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | No Credit Findings | Credit | Resolved | 03/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000183 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/10/2026 | No Property Findings | Property | Cleared | 3/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000183 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Compliance Findings | Compliance | Cleared | 3/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000183 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Credit Findings | Credit | Cleared | 3/14/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000035 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | No Compliance Findings | Compliance | Resolved | 03/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000035 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | No Credit Findings | Credit | Resolved | 03/14/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000035 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | No Property Findings | Property | Resolved | 03/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000011 | XXXXX |  | XXX | XXX | XXX | finding-3526 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/06/2026 | Revised Loan Estimate Delivery Date Test (prior to consummation) | Compliance | Resolved | 03/14/2026 | 1 | Revised Loan Estimate Delivery Date Test (prior to consummation) |  | 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) he 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; or The 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; or The 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. Clarification required: The revised LE is dated XX/XX/XXXX and was issued the same date as the initial Closing Disclosure. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Received confirmation LE XX/XX/XXXX was not received by borrower, Final Revised LE XX/XX/XXXX received with borrower acknowledgment date - exception resolved.; Received confirmation LE XX/XX/XXXX was not received by borrower, Final Revised LE XX/XX/XXXX received with borrower acknowledgment date - exception resolved. |
| 71000011 | XXXXX |  | XXX | XXX | XXX | finding-4001 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/06/2026 | TRID Disclosure Delivery Date Validation Test | Compliance | Resolved | 03/14/2026 | 1 | TRID Disclosure Delivery Date Validation Test |  | This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions: A revised loan estimate delivery date is before the initial loan estimate. A revised closing disclosure is before the initial closing disclosure. A closing disclosure delivery date is on or before a loan estimate delivery date. A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. Clarification required: The revised LE is dated XX/XX/XXXX and was issued the same date as the initial Closing Disclosure. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Received confirmation LE XX/XX/XXXX was not received by borrower, Final Revised LE XX/XX/XXXX received with borrower acknowledgment date - exception resolved.; Received confirmation LE XX/XX/XXXX was not received by borrower, Final Revised LE XX/XX/XXXX received with borrower acknowledgment date - exception resolved. |
| 71000011 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | No Property Findings | Property | Resolved | 03/09/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000011 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | No Credit Findings | Credit | Resolved | 03/09/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000051 | XXXXX |  | XXX | XXX | XXX | finding-3526 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/28/2026 | Revised Loan Estimate Delivery Date Test (prior to consummation) | Compliance | Resolved | 03/13/2026 | 1 | Revised Loan Estimate Delivery Date Test (prior to consummation) |  | 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) he 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; or The 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; or The 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. Documentation required: Provide evidence of borrower's receipt of the Revised LE issued XX/XX/XXXX at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.54% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.54% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved |
| 71000051 | XXXXX |  | XXX | XXX | XXX | FCOM5135 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/26/2026 | Missing Required Affiliated Business Disclosure | Compliance | Acknowledged | 02/12/2026 | 2 | Missing Required Affiliated Business Disclosure |  | Required Affiliated Business Disclosure Missing Missing Affiliated Business Disclosure | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.54% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.54% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | ; Required Affiliated Business Disclosure Missing Missing Affiliated Business Disclosure |
| 71000051 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/26/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/12/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required: Please provide evidence Borrower received Appraisal within required XXX days prior to consummation | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.54% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.54% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | ; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required: Please provide evidence Borrower received Appraisal within required XXX days prior to consummation |
| 71000051 | XXXXX |  | XXX | XXX | XXX | FCRE1491 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/27/2026 | Asset Qualification Does Not Meet Guideline Requirements | Credit | Resolved | 02/10/2026 | 1 | Asset Qualification Does Not Meet Guideline Requirements |  | Asset Qualification Does Not Meet Guideline Requirements Large deposits are not properly sourced. Borrower deposited XXX into XXX account on XX/XX/XXXX, the check in file reflects that the funds are from the employer. The loan file does not contain any explanation as to why the borrower is receiving such a large sum from the company that they have XXX% ownership in. This deposit is outside the typical earnings range. There is also a XXX deposit on XX/XX/XXXX which was not sourced. Funds from this XXX account was transferred to the borrower's XXX accounts. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.54% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.54% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Client provided evidence and agrees. Resolved. ; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements Large deposits are not properly sourced. Borrower deposited XXX into XXX account on XX/XX/XXXX, the check in file reflects that the funds are from the employer. The loan file does not contain any explanation as to why the borrower is receiving such a large sum from the company that they have XXX% ownership in. This deposit is outside the typical earnings range. There is also a XXX deposit on XX/XX/XXXX which was not sourced. Funds from this XXX account was transferred to the borrower's XXX accounts. |
| 71000051 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/27/2026 | No Property Findings | Property | Resolved | 01/29/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.54% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.54% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000089 | XXXXX |  | XXX | XXX | XXX | FCOM1851 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/28/2026 | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Compliance | Cured | 03/17/2026 | 2 | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance |  | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | ; The consumer is refinancing with the original (same) creditor (-new advance of money with the same creditor). Model H-XXX was provided. The title work indicates the original lender is the same the lender on the subject note. The property is located in the XXX therefore it can be graded a XXX/; Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. |
| 71000089 | XXXXX |  | XXX | XXX | XXX | finding-3652 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/28/2026 | Lender Credits That Cannot Decrease Test | Compliance | Cured | 03/13/2026 | 2 | Lender Credits That Cannot Decrease Test |  | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on the Final CD to XXX on the PCCD. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; If the sum total amount of general and specific lender credits has been reduced, a permissible reason must be provided to reestablish the baseline as lender credits are a negative charge to the consumer and a decrease in credit is considered an increased charge to the consumer for good faith determination purposes. ; The XXX has established that lender credits are a negative charge to the consumer and a decrease in credit is considered an increased charge to the consumer for good faith determination purposes. The amounts originally disclosed on the Loan Estimate under XXX(e)(XXX)(i) are referenced in XXX scope and the regulation for good faith determination, however, creditors may use revised estimates under XXX(e)(XXX)(i) and XXX(f)(XXX)(i), including corrected disclosures provided under XXX(f)(XXX)(i) or (ii) to reflect the revised estimate and determine good faith under XXX(e)(XXX). Revised disclosures, including Closing Disclosures governed by XXX are therefore subject to the good faith requirements described in XXX(e)(XXX), and baseline testing considers the revised disclosures accordingly. If the sum total amount of general and specific lender credits has been reduced, a permissible reason must be provided to reestablish the baseline. This approach is consistent with the XXX Integrated Disclosure Rule FAQs stating that lender credits may decrease for one or more of the reasons listed in XXX C. § XXX(e)(XXX)(iv), provided that a revised disclosure reflecting the change is timely delivered. See 12 CFR §.1026.19(e)(3)(iv)(A)-(F); see also Preamble to the XXX Integrated Disclosure Rule, XXX. Reg. XXX (XXX. XXX). |
| 71000089 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/27/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/09/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Acknowledged and accepted as level 2/B rating.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |
| 71000089 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/29/2026 | No Property Findings | Property | Resolved | 01/30/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000089 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 01/29/2026 | No Credit Findings | Credit | Resolved | 01/30/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000077 | XXXXX |  | XXX | XXX | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/09/2026 | Charges That Cannot Increase Test | Compliance | Cured | 02/13/2026 | 2 | Charges That Cannot Increase Test |  | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal and XXX to XXX for the 2nd appraisal. There is a COC dated XX/XX/XXXX for the 1st appraisal fee but the COC wasn't accepted because interest rate locked is not a valid reason. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B |
| 71000077 | XXXXX |  | XXX | XXX | XXX | finding-3526 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/09/2026 | Revised Loan Estimate Delivery Date Test (prior to consummation) | Compliance | Resolved | 02/13/2026 | 1 | Revised Loan Estimate Delivery Date Test (prior to consummation) |  | 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) he 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; or The 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; or The 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. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the disclosure XXX business days prior to consummation | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Revised LE receipt date provided; exception resolved; documents provided electronically also follow the mailbox rule unless documentation can be provided to show the borrower opened, signed or reviewed the document. The documentation provided shows it was sent however since it doesn't indicate the borrower reviewed the LE it was not considered received until XXX business days after it was sent; Econsent document provided did not show the borrower opened or viewed the revised LE at least XXX days prior to consummation ; 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) he 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; or The 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; or The 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. |
| 71000077 | XXXXX |  | XXX | XXX | XXX | FCRE1322 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/09/2026 | Borrower 1 Business Tax Returns Missing | Credit | Resolved | 03/05/2026 | 1 | Borrower 1 Business Tax Returns Missing |  | Borrower 1 Business Tax Returns Missing XX/XX/XXXX business XX/XX/XXXX and K1s were not provided or are incomplete, and none of the income on the Final 1003 REO matches to the docs provided : XXX: XXX and K1s XX/XX/XXXX XXX: XXX K1 and both 1120s XX/XX/XXXX XXX: complete Business Return XXX and K1 XXX XXX: XXX missing XXX XXX: 1120s income doesn't match REO on the Final 1003 XXX XXX properties: XXX incomplete missing K1s XXX XXX: missing XXX and K1 missing XXX: XXX Missing XXX/K1 XXX: Incomplete 1120s and missing XXX: 1120s incomplete XXX: XXX Incomplete XXX: XXX and K1 for XXX missing XXX XXX and XXX K1 missing XXX: 1120s incomplete, missing XXX K1 XXX: XXX missing XX/XX/XXXX XXX XXX missing and K1s XXX: XXX missing and K1s XXX: Missing 1120s and K1s XX/XX/XXXX XXXs: XXX missing and XXX XXX: 1065s incomplete, K1 for XXX XXX: 1120s incomplete, K1 XXX missing XXX XXX incomplete, missing XXX: XXX Missing for B1 and K1s XXX: Missing all documentation XXX: XXX missing, and K1s for B1 XXX: 1120s incomplete, missing K1s XX/XX/XXXX XXX Missing 1120s XXX: Missing 1120s and K1s Provide the complete business tax return package for all businesses, including all completed pages, any amendments, of the XX/XX/XXXX and K1s for years XX/XX/XXXX. The return provided is incomplete for most all businesses, and the business related income and losses cannot be reconciled without full documentation. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Borrower 1 Business Tax Returns Missing XX/XX/XXXX business XX/XX/XXXX and K1s were not provided or are incomplete, and none of the income on the Final 1003 REO matches to the docs provided : XXX: XXX and K1s XX/XX/XXXX XXX: XXX K1 and both 1120s XX/XX/XXXX XXX: complete Business Return XXX and K1 XXX XXX: XXX missing XXX XXX: 1120s income doesn't match REO on the Final 1003 XXX XXX properties: XXX incomplete missing K1s XXX XXX: missing XXX and K1 missing XXX: XXX Missing XXX/K1 XXX: Incomplete 1120s and missing XXX: 1120s incomplete XXX: XXX Incomplete XXX: XXX and K1 for XXX missing XXX XXX and XXX K1 missing XXX: 1120s incomplete, missing XXX K1 XXX: XXX missing XX/XX/XXXX XXX XXX missing and K1s XXX: XXX missing and K1s XXX: Missing 1120s and K1s XX/XX/XXXX XXXs: XXX missing and XXX XXX: 1065s incomplete, K1 for XXX XXX: 1120s incomplete, K1 XXX missing XXX XXX incomplete, missing XXX: XXX Missing for B1 and K1s XXX: Missing all documentation XXX: XXX missing, and K1s for B1 XXX: 1120s incomplete, missing K1s XX/XX/XXXX XXX Missing 1120s XXX: Missing 1120s and K1s Provide the complete business tax return package for all businesses, including all completed pages, any amendments, of the XX/XX/XXXX and K1s for years XX/XX/XXXX. The return provided is incomplete for most all businesses, and the business related income and losses cannot be reconciled without full documentation. |
| 71000077 | XXXXX |  | XXX | XXX | XXX | FCOM5135 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/09/2026 | Missing Required Affiliated Business Disclosure | Compliance | Acknowledged | 02/12/2026 | 2 | Missing Required Affiliated Business Disclosure |  | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | ; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |
| 71000077 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/09/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/12/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | ; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. |
| 71000077 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/09/2026 | No Property Findings | Property | Resolved | 02/09/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000123 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Credit Findings | Credit | Resolved | 03/04/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.08% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.08% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000123 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Property Findings | Property | Resolved | 03/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.08% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.08% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000123 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Compliance Findings | Compliance | Resolved | 03/04/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.08% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.08% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 71000023 | XXXXX |  | XXX | XXX | XXX | FCRE1191 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/20/2026 | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Credit | Resolved | 02/26/2026 | 1 | Audited Reserves are less than AUS Required Reserves (Dollar Amount) |  | Audited Reserves of XXX are less than AUS Required Reserves of XXX per AUS XXX was required for reserve |  |  | Closed | Borrower 1 Business Tax Returns Missing XX/XX/XXXX business XX/XX/XXXX and K1s were not provided or are incomplete, and none of the income on the Final 1003 REO matches to the docs provided : XXX: XXX and K1s XX/XX/XXXX XXX: XXX K1 and both 1120s XX/XX/XXXX XXX: complete Business Return XXX and K1 XXX XXX: XXX missing XXX XXX: 1120s income doesn't match REO on the Final 1003 XXX XXX properties: XXX incomplete missing K1s XXX XXX: missing XXX and K1 missing XXX: XXX Missing XXX/K1 XXX: Incomplete 1120s and missing XXX: 1120s incomplete XXX: XXX Incomplete XXX: XXX and K1 for XXX missing XXX XXX and XXX K1 missing XXX: 1120s incomplete, missing XXX K1 XXX: XXX missing XX/XX/XXXX XXX XXX missing and K1s XXX: XXX missing and K1s XXX: Missing 1120s and K1s XX/XX/XXXX XXXs: XXX missing and XXX XXX: 1065s incomplete, K1 for XXX XXX: 1120s incomplete, K1 XXX missing XXX XXX incomplete, missing XXX: XXX Missing for B1 and K1s XXX: Missing all documentation XXX: XXX missing, and K1s for B1 XXX: 1120s incomplete, missing K1s XX/XX/XXXX XXX Missing 1120s XXX: Missing 1120s and K1s Provide the complete business tax return package for all businesses, including all completed pages, any amendments, of the XX/XX/XXXX and K1s for years XX/XX/XXXX. The return provided is incomplete for most all businesses, and the business related income and losses cannot be reconciled without full documentation. |
| 71000023 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/23/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/24/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000023 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Closed | Informational |
| 71000053 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 03/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.68% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.68% is less than Guideline LTV of 89.99% |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000053 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Credit Findings | Credit | Resolved | 03/04/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.68% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.68% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 71000111 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 03/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.88% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.88% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000111 | XXXXX |  | XXX | XXX | XXX | FCRE7497 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Credit | Resolved | 03/10/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Missing tax documentation for REO XXX XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.88% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.88% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Client provided Mortgage Loan Statement for XXX XXX reflecting Taxes and Insurance escrowed in the amount of $XXX. LM Updated. |
| 71000111 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Property Findings | Property | Resolved | 03/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.88% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.88% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000055 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/09/2026 | No Compliance Findings | Compliance | Resolved | 03/09/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000055 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/09/2026 | No Credit Findings | Credit | Resolved | 03/09/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000055 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/09/2026 | No Property Findings | Property | Resolved | 03/09/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000017 | XXXXX |  | XXX | XXX | XXX | finding-3635 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Charges That In Total Cannot Increase More Than 10% Test | Compliance | Cured | 03/14/2026 | 2 | Charges That In Total Cannot Increase More Than 10% Test |  | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the increase of the recording fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. Cure of XXX on final CD. Applied XXX to increase of the final inspection fee. Remaining XXX of cure was applied to recording fee. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B |
| 71000017 | XXXXX |  | XXX | XXX | XXX | FCRE1241 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/06/2026 | Purchase Contract is Missing | Credit | Resolved | 03/10/2026 | 1 | Purchase Contract is Missing |  | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Purchase Contract Doc is not Missing, or is Not Applicable.; Client provided Purchase Contract stating: New Construction. Addendum in file showing the address changed from XXX XXX to the current address XXX XXX. Contract in file. |
| 71000017 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | No Property Findings | Property | Resolved | 03/06/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 71000121 | XXXXX |  | XXX | XXX | XXX | FCOM5135 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Missing Required Affiliated Business Disclosure | Compliance | Acknowledged | 03/13/2026 | 2 | Missing Required Affiliated Business Disclosure |  | Required Affiliated Business Disclosure Missing Documentation required to clear exception, Required Affiliated Business Disclosure Missing | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000121 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | No Property Findings | Property | Resolved | 03/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000121 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | No Credit Findings | Credit | Resolved | 03/04/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000147 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged by Client | 3/16/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grade. |
| 71000147 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Credit Findings | Credit | Cleared | 3/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000147 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | No Property Findings | Property | Cleared | 3/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 71000185 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged by Client | 3/17/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Acknowledgment of Receipt of Appraisal Report (pg. XXX) does not provide sufficient evidence that the appraisal was delivered to the Borrower prior to consummation. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Exception is non-material and graded as level 2/B. |
| 71000185 | XXXXX |  | XXX | XXX | XXX | FCOM5135 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | Missing Required Affiliated Business Disclosure | Compliance | Acknowledged by Client | 3/17/2026 | 2 | Missing Required Affiliated Business Disclosure |  | Required Affiliated Business Disclosure Missing | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Exception is non-material and graded as level 2/B. |
| 71000185 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Property Findings | Property | Cleared | 3/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational Only |
| 71000185 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Credit Findings | Credit | Cleared | 3/17/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational Only |
| 71000171 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged by Client | 3/16/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation XX/XX/XXXX. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.26% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.26% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grade. |
| 71000171 | XXXXX |  | XXX | XXX | XXX | FCOM5135 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | Missing Required Affiliated Business Disclosure | Compliance | Acknowledged by Client | 3/16/2026 | 2 | Missing Required Affiliated Business Disclosure |  | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.26% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.26% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grade. |
| 71000171 | XXXXX |  | XXX | XXX | XXX | FCOM5135 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | Third Party Valuation Product Not Provided within 10% Tolerance | Property | Acknowledged by Client | 3/16/2026 | 2 | Third Party Valuation Product Not Provided within 10% Tolerance |  | Third Party Valuation Product Not Provided within XXX% Tolerance | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.26% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.26% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.26% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.26% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Closed | Additional valuation supports appraised value |
| 71000105 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Curative | 03/13/2026 | No Credit Findings | Credit | Resolved | 03/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.43% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.43% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000105 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Curative | 03/13/2026 | No Property Findings | Property | Resolved | 03/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.43% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.43% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000105 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Curative | 03/13/2026 | No Compliance Findings | Compliance | Resolved | 03/16/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.43% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.43% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000191 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/13/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged by Client | 3/17/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% |  | Closed | Exception is non-material and graded as level 2/B. |
| 71000191 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Property Findings | Property | Cleared | 3/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% |  | Closed | Informational Only |
| 71000191 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/17/2026 | No Credit Findings | Credit | Cleared | 3/17/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% |  | Closed | Informational Only |
| 71000001 | XXXXX |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Credit Findings | Credit | Resolved | 03/14/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000001 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | No Property Findings | Property | Resolved | 03/14/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000001 | XXXXX |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | No Compliance Findings | Compliance | Resolved | 03/14/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 71000149 | XXXXX |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/17/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged by Client | 3/17/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Exception is non-material and graded as level 2/B. |
| 71000149 | XXXXX |  | XXX | XXX | XXX | FCRE9785 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/17/2026 | Purchase Contract is Incomplete | Credit | Acknowledged by Client | 3/17/2026 | 2 | Purchase Contract is Incomplete |  | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Closing Disclosure reflects a seller credit of XXX that is not reflected on the purchase contract. An addendum reflecting the seller credit is required. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Exception is non-material and graded as level 2/B. |
| 71000149 | XXXXX |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | $XXXXXX | Loan Review Complete | 3/16/2026 | No Property Findings | Property | Cleared | 3/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational Only |

---

## Exhibit 99.3

---

| | | |
|:---|:---|:---|
| **GS_Loan_Number** | **Investor loan Number** | **Client Loan Number** |
| 71000109 |  | XXXXX<br> D<br> B<br> A |
| 71000041 |  | XXXXX<br> D<br> A |
| 71000095 |  | XXXXX<br> A<br> C |
| 71000101 |  | XXXXX<br> D<br> A |
| 71000117 |  | XXXXX<br> D<br> A<br> C |
| 71000005 |  | XXXXX<br> C<br> A |
| 71000057 |  | XXXXX<br> D<br> A |
| 71000037 |  | XXXXX<br> D<br> A |
| 71000081 |  | XXXXX<br> D<br> A<br> C<br> B |
| 71000039 |  | XXXXX<br> C<br> B<br> A |
| 71000015 |  | XXXXX<br> A |
| 71000179 |  | XXXXX<br> D<br> A |
| 71000113 |  | XXXXX<br> A |
| 71000071 |  | XXXXX<br> B<br> A |
| 71000115 |  | XXXXX<br> A |
| 71000087 |  | XXXXX<br> A<br> C |
| 71000091 |  | XXXXX<br> D<br> A |
| 71000031 |  | XXXXX<br> A<br> C |
| 71000009 |  | XXXXX<br> D<br> A |
| 71000013 |  | XXXXX<br> A<br> C<br> B |
| 71000175 |  | XXXXX<br> D<br> A |
| 71000107 |  | XXXXX<br> A<br> B |
| 71000003 |  | XXXXX<br> A |
| 71000029 |  | XXXXX<br> D<br> A |
| 71000177 |  | XXXXX<br> A |
| 71000047 |  | XXXXX<br> A<br> C |
| 71000167 |  | XXXXX<br> C<br> A |
| 71000027 |  | XXXXX<br> A |
| 71000021 |  | XXXXX<br> A |
| 71000193 |  | XXXXX<br> D<br> A |
| 71000067 |  | XXXXX<br> A<br> C |
| 71000131 |  | XXXXX<br> A<br> C<br> B |
| 71000155 |  | XXXXX<br> A<br> C |
| 71000187 |  | XXXXX<br> A |
| 71000163 |  | XXXXX<br> A |
| 71000137 |  | XXXXX<br> A |
| 71000059 |  | XXXXX<br> A |
| 71000135 |  | XXXXX<br> A |
| 71000093 |  | XXXXX<br> A |
| 71000143 |  | XXXXX<br> A<br> C |
| 71000043 |  | XXXXX<br> A<br> B |
| 71000063 |  | XXXXX<br> D<br> A |
| 71000097 |  | XXXXX<br> A<br> C |
| 71000153 |  | XXXXX<br> A<br> B |
| 71000079 |  | XXXXX<br> A |
| 71000099 |  | XXXXX<br> A |
| 71000069 |  | XXXXX<br> A |
| 71000033 |  | XXXXX<br> A |
| 71000157 |  | XXXXX<br> A<br> B<br> C |
| 71000125 |  | XXXXX<br> B<br> A |
| 71000065 |  | XXXXX<br> A |
| 71000173 |  | XXXXX<br> A |
| 71000139 |  | XXXXX<br> A |
| 71000049 |  | XXXXX<br> A |
| 71000161 |  | XXXXX<br> A |
| 71000151 |  | XXXXX<br> A<br> C<br> B |
| 71000165 |  | XXXXX<br> A |
| 71000083 |  | XXXXX<br> A |
| 71000197 |  | XXXXX<br> A |
| 71000189 |  | XXXXX<br> A |
| 71000159 |  | XXXXX<br> A<br> B |
| 71000133 |  | XXXXX<br> A |
| 71000145 |  | XXXXX<br> A |
| 71000075 |  | XXXXX<br> A |
| 71000007 |  | XXXXX<br> D<br> A<br> B |
| 71000195 |  | XXXXX<br> A<br> C |
| 71000199 |  | XXXXX<br> A |
| 71000127 |  | XXXXX<br> D<br> A<br> C<br> B |
| 71000119 |  | XXXXX<br> A |
| 71000129 |  | XXXXX<br> A<br> C<br> B |
| 71000073 |  | XXXXX<br> D<br> A |
| 71000061 |  | XXXXX<br> D<br> B<br> A |
| 71000025 |  | XXXXX<br> A |
| 71000019 |  | XXXXX<br> A |
| 71000141 |  | XXXXX<br> A |
| 71000045 |  | XXXXX<br> A |
| 71000181 |  | XXXXX<br> A |
| 71000103 |  | XXXXX<br> A |
| 71000169 |  | XXXXX<br> A<br> C<br> B |
| 71000085 |  | XXXXX<br> A |
| 71000183 |  | XXXXX<br> A |
| 71000035 |  | XXXXX<br> A |
| 71000011 |  | XXXXX<br> A<br> C |
| 71000051 |  | XXXXX<br> C<br> A<br> B |
| 71000089 |  | XXXXX<br> A<br> D<br> B |
| 71000077 |  | XXXXX<br> A<br> C<br> B |
| 71000123 |  | XXXXX<br> A |
| 71000023 |  | XXXXX<br> C<br> A<br> B |
| 71000053 |  | XXXXX<br> A<br> B |
| 71000111 |  | XXXXX<br> D<br> A<br> B |
| 71000055 |  | XXXXX<br> A |
| 71000017 |  | XXXXX<br> D<br> A<br> C<br> B |
| 71000121 |  | XXXXX<br> A<br> B |
| 71000147 |  | XXXXX<br> A<br> B |
| 71000185 |  | XXXXX<br> A<br> B |
| 71000171 |  | XXXXX<br> A<br> B<br> C |
| 71000105 |  | XXXXX<br> A |
| 71000191 |  | XXXXX<br> A<br> B |
| 71000001 |  | XXXXX<br> A |
| 71000149 |  | XXXXX<br> B<br> A |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Account Number** | **Guidelines** | **Bank Statement Type** | **Bank Statement Indicator** | **Total Months of Bank statements** | **Bank Statement Income** | **Profit Loss Indicator** | **DSCR** | **DSCR Qualifying Income** | **DSCR Operating Expense** | **DSCR Guideline Comparison** | **DSCR Ratio Output** | **Qualifying Payment Considered** | **Subject Property Address** | **City** | **State** | **Zip** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Income Document Detail** | **Expense Ratio (Only Bank Statement)** | **Percent of Business Ownership (Bank Statement loans)** | **Months P&L (Bank Statement Loans)** | **Short Term Rental Flag** | **GSE** | **AUS Decision System** | **Rating Result** | **Supplemental Field: Tertiary Borrower Income Verification** | **Supplemental Field: Tertiary Borrower Asset Verification** | **Supplemental Field: Quaternary Borrower Employment Verification** | **Supplemental Field: Quaternary Borrower Income Verification** | **Supplemental Field: Tertiary Borrower Employment Verification** | **Supplemental Field: Quaternary Borrower Asset Verification** |
| 71000109 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000041 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Asset Depletion – Debt Ratio Calculation |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000095 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000101 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000117 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000005 | XXXXX | General Agency Program |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000057 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000037 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000081 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000039 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000015 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000179 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000113 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000071 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000115 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000087 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000091 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000031 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000009 | XXXXX | General Agency Program |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000013 | XXXXX | General Agency Program |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000175 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000107 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000003 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000029 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000177 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000047 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000167 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000027 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000021 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000193 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000067 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000131 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000155 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |
| 71000187 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000163 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000137 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |
| 71000059 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000135 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000093 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000143 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000043 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000063 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000097 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000153 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000079 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000099 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |
| 71000069 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000033 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |
| 71000157 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000125 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000065 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |
| 71000173 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes<br> FHLMC | LP | Accept Eligible |  |  |  |  |  |  |
| 71000139 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000049 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000161 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000151 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000165 | XXXXX | General Agency Program |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000083 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |
| 71000197 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000189 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |
| 71000159 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000133 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000145 | XXXXX | General Agency Program |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000075 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000007 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000195 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000199 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000127 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000119 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000129 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000073 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000061 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000025 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000019 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Retirement Income Doc Verified |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000141 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000045 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000181 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000103 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000169 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000085 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000183 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |
| 71000035 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000011 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000051 | XXXXX | General Agency Program |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000089 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Retirement Income Doc Verified |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000077 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000123 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000023 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000053 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000111 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |
| 71000055 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000017 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000121 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |
| 71000147 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000185 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000171 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000105 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000191 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |
| 71000001 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible | 5 | 3 |  |  | 3 |  |
| 71000149 | XXXXX | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |

---

## Exhibit 99.3

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **GS Loan Number** | **Seller Loan ID** | **Field ID** | **Original Field Value** | **Audit Value** | **Data Compare** |
| 71000041 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000041 | XXXXX | AUS Type | XXX | XXX | FALSE |
| 71000095 | XXXXX | Property Type | XXX | XXX | FALSE |
| 71000101 | XXXXX | Refinance Type | XXX | XXX | FALSE |
| 71000057 | XXXXX | Refinance Type | XXX | XXX | FALSE |
| 71000179 | XXXXX | Refinance Type | XXX | XXX | FALSE |
| 71000113 | XXXXX | Qualifying LTV | XXX | XXX | FALSE |
| 71000071 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000115 | XXXXX | Refinance Type | XXX | XXX | FALSE |
| 71000091 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 71000013 | XXXXX | Refinance Type | XXX | XXX | FALSE |
| 71000013 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000029 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000155 | XXXXX | Property Value | $XXX | $XXX | FALSE |
| 71000155 | XXXXX | Qualifying LTV | XXX | XXX | FALSE |
| 71000155 | XXXXX | Qualifying CLTV | XXX | XXX | FALSE |
| 71000137 | XXXXX | Qualifying LTV | XXX | XXX | FALSE |
| 71000093 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000143 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000043 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000153 | XXXXX | Qualifying FICO | XXX | XXX | FALSE |
| 71000165 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 71000145 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000019 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000051 | XXXXX | Refinance Type | XXX | XXX | FALSE |
| 71000077 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000123 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000111 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000055 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000017 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 71000017 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000121 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 71000147 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 71000147 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000171 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 71000001 | XXXXX | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **GS Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CUScore** | **R&W Eligible** |
| 71000109 |  | XXXXX | $XXXXXX |  | $XXX | 79.53 | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 71000041 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Not Eligible |
| 71000095 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60.03 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 1.1 | Not Eligible |
| 71000101 |  | XXXXX | $XXXXXX |  | $XXX | 63.7 | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -20.37% |  |  |  |  |  | 1.2 | Not Eligible |
| 71000117 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.83 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000005 |  | XXXXX | $XXXXXX |  | $XXX | 67.43 | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 71000057 |  | XXXXX | $XXXXXX |  | $XXX | 73.59 | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 71000037 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Not Eligible |
| 71000081 |  | XXXXX | $XXXXXX | $XXX | $XXX | 48.39 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -4.26% |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 71000039 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Not Eligible |
| 71000015 |  | XXXXX | $XXXXXX |  | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -40.47% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 4.5 | Eligible |
| 71000179 |  | XXXXX | $XXXXXX |  | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000113 |  | XXXXX | $XXXXXX | $XXX | $XXX | 64.81 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -0.92% |  |  |  |  |  | 5 | Not Eligible |
| 71000071 |  | XXXXX | $XXXXXX | $XXX | $XXX | 66.39 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 3.1 | Not Eligible |
| 71000115 |  | XXXXX | $XXXXXX |  | $XXX | 59.36 | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | $XXX | -0.62% |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 71000087 |  | XXXXX | $XXXXXX |  | $XXX | 63.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 1.44% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 1.8 | Not Eligible |
| 71000091 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.04% |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 71000031 |  | XXXXX | $XXXXXX |  | $XXX | 70.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000009 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -13.61% | XX/XX/XXXX | $XXX | $XXX | -2.88% |  |  |  |  |  | 1.8 | Not Eligible |
| 71000013 |  | XXXXX | $XXXXXX |  | $XXX | 69.15 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -4.16% |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 71000175 |  | XXXXX | $XXXXXX |  | $XXX | 39.69 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.28% |  |  |  |  |  | 4.6 | Not Eligible |
| 71000107 |  | XXXXX | $XXXXXX |  | $XXX | 53.22 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -19.72% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 1.8 | Not Eligible |
| 71000003 |  | XXXXX | $XXXXXX |  | $XXX | 46.3 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.26% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 1.3 | Not Eligible |
| 71000029 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -5.41% |  |  |  |  |  |  |  |  |  | 1.8 | Not Eligible |
| 71000177 |  | XXXXX | $XXXXXX |  | $XXX | 64.32 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -8.51% |  |  |  |  |  |  |  |  |  | 1.7 | Not Eligible |
| 71000047 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -6.48% |  |  |  |  |  |  |  |  |  | 2.1 | Not Eligible |
| 71000167 |  | XXXXX | $XXXXXX | $XXX | $XXX | 54.55 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 6.22% |  |  |  |  |  |  |  |  |  | 3.9 | Not Eligible |
| 71000027 |  | XXXXX | $XXXXXX | $XXX | $XXX | 67.85 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -3.04% |  |  |  |  |  |  |  |  |  | 3.2 | Eligible |
| 71000021 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000193 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000067 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 1.6 | Not Eligible |
| 71000131 |  | XXXXX | $XXXXXX |  | $XXX | 76.21 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 71000155 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000187 |  | XXXXX | $XXXXXX |  | $XXX | 61.86 | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 71000163 |  | XXXXX | $XXXXXX |  | $XXX | 46.26 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -23.04% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 2.6 | Not Eligible |
| 71000137 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.72 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -3.29% |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000059 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -5.04% |  |  |  |  |  |  |  |  |  | 1.5 | Not Eligible |
| 71000135 |  | XXXXX | $XXXXXX |  | $XXX | 74.47 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -13.89% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 1.1 | Not Eligible |
| 71000093 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000143 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75.00 | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  | XX/XX/XXXX | $XXX | $XXX | -3.12% |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| 71000043 |  | XXXXX | $XXXXXX |  | $XXX | 74.87 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 71000063 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -14.44% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 1.7 | Not Eligible |
| 71000097 |  | XXXXX | $XXXXXX | $XXX | $XXX | 73.43 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.89% |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 71000153 |  | XXXXX | $XXXXXX |  | $XXX | 65.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 71000079 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -12.39% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 2.6 | Not Eligible |
| 71000099 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.48 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 2.13% |  |  |  |  |  | 3.4 | Not Eligible |
| 71000069 |  | XXXXX | $XXXXXX |  | $XXX | 75.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.00% |  |  |  |  |  |  |  |  |  | 2 | Not Eligible |
| 71000033 |  | XXXXX | $XXXXXX | $XXX | $XXX | 63.55 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 71000157 |  | XXXXX | $XXXXXX |  | $XXX | 66.52 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000125 |  | XXXXX | $XXXXXX |  | $XXX | 68.61 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -9.95% |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000065 |  | XXXXX | $XXXXXX |  | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000173 |  | XXXXX | $XXXXXX |  | $XXX | 73.27 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.11% |  |  |  |  |  |  |  |  |  | 2.8 | Eligible |
| 71000139 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -6.72% |  |  |  |  |  |  |  |  |  | 1.4 | Not Eligible |
| 71000049 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -4.48% |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 71000161 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000151 |  | XXXXX | $XXXXXX |  | $XXX | 59.06 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -17.07% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 3.1 | Not Eligible |
| 71000165 |  | XXXXX | $XXXXXX |  | $XXX | 61.99 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000083 |  | XXXXX | $XXXXXX |  | $XXX | 66.42 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000197 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 3.8 | Not Eligible |
| 71000189 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.68 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -3.37% |  |  |  |  |  |  |  |  |  | 2.9 | Eligible |
| 71000159 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000133 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -3.00% |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 71000145 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000075 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.97% |  |  |  |  |  |  |  |  |  | 3.7 | Not Eligible |
| 71000007 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -4.17% |  |  |  |  |  |  |  |  |  | 1.1 | Not Eligible |
| 71000195 |  | XXXXX | $XXXXXX | $XXX | $XXX | 58.33 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -3.25% |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 71000199 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -8.09% |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 71000127 |  | XXXXX | $XXXXXX | $XXX | $XXX | 58.33 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 10.92% |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 71000119 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000129 |  | XXXXX | $XXXXXX |  | $XXX | 76.42 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 3.69% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 2.7 | Eligible |
| 71000073 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Not Eligible |
| 71000061 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -15.03% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 1.4 | Not Eligible |
| 71000025 |  | XXXXX | $XXXXXX |  | $XXX | 79.98 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -0.72% |  |  |  |  |  |  |  |  |  | 3.3 | Eligible |
| 71000019 |  | XXXXX | $XXXXXX |  | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Not Eligible |
| 71000141 |  | XXXXX | $XXXXXX |  | $XXX | 66.53 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -10.94% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 1 | Not Eligible |
| 71000045 |  | XXXXX | $XXXXXX |  | $XXX | 75.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 71000181 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.68 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 71000103 |  | XXXXX | $XXXXXX | $XXX | $XXX | 52.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 6.17% |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 71000169 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -15.06% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 5 | Not Eligible |
| 71000085 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 3.2 | Eligible |
| 71000183 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -3.46% |  |  |  |  |  |  |  |  |  | 2.8 | Eligible |
| 71000035 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 2.7 | Not Eligible |
| 71000011 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -10.66% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 3.2 | Not Eligible |
| 71000051 |  | XXXXX | $XXXXXX |  | $XXX | 79.54 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.97% |  |  |  |  |  |  |  |  |  | 4.2 | Eligible |
| 71000089 |  | XXXXX | $XXXXXX |  | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 21.25% |  |  |  |  |  | 4.8 | Not Eligible |
| 71000077 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -9.20% |  |  |  |  |  |  |  |  |  | 4.8 | Not Eligible |
| 71000123 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.08 | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 3.7 | Not Eligible |
| 71000023 |  | XXXXX | $XXXXXX |  | $XXX | 42.1 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 2.5 | Not Eligible |
| 71000053 |  | XXXXX | $XXXXXX |  | $XXX | 73.68 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -0.45% |  |  |  |  |  |  |  |  |  | 3.7 | Not Eligible |
| 71000111 |  | XXXXX | $XXXXXX |  | $XXX | 77.88 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 71000055 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.03% |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 71000017 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 71000121 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -4.11% |  |  |  |  |  |  |  |  |  | 3.4 | Eligible |
| 71000147 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000185 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 71000171 |  | XXXXX | $XXXXXX |  | $XXX | 67.26 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -11.73% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 2.9 | Not Eligible |
| 71000105 |  | XXXXX | $XXXXXX |  | $XXX | 69.43 | XX/XX/XXXX | $XXX | Other |  |  |  |  |  |  |  |  |  |  |  | Other | XX/XX/XXXX | $XXX | $XXX | 0.00% | 2 | Eligible |
| 71000191 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -2.90% |  |  |  |  |  |  |  |  |  | 4.7 | Not Eligible |
| 71000001 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80.0 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000149 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70.00 | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -3.60% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  | 3.5 | Not Eligible |

---