# EDGAR Filing Document

**Accession Number:** 0002100736
**File Stem:** 0000929638-26-002171
**Filing Date:** 2026-6
**Character Count:** 4243488
**Document Hash:** e8bffac701fe261f254167df732bf111
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-002171.hdr.sgml**: 20260605

**ACCESSION NUMBER**: 0000929638-26-002171

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

**PUBLIC DOCUMENT COUNT**: 48

**CONFORMED PERIOD OF REPORT**: 20260605

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

**FILED AS OF DATE**: 20260605

**DATE AS OF CHANGE**: 20260605

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Commercial mortgages

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Aspire Depositor, LLC
- **CENTRAL INDEX KEY:** 0002100736

**ORGANIZATION NAME:**
- **EIN:** 680406099
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08294
- **FILM NUMBER:** 261070224

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Aspire Depositor, LLC
- **CENTRAL INDEX KEY:** 0002100736

**ORGANIZATION NAME:**
- **EIN:** 680406099
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

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

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

<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> <br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

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

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

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

_<u>X</u>_ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0002100736

Central Index Key Number of sponsor: 0002100731

<u>Aspire Mortgage Trust 2026-3</u>

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

Central Index Key Number of issuing entity (if applicable): N/A

Central Index Key Number of underwriter (if applicable): N/A

<u>Ashley Templeton, (303) 376-3688</u><br> Name and telephone number, including area code, of the person to

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: June 5, 2026

---

| | | |
|:---|:---|:---|
| ASPIRE DEPOSITOR, LLC | ASPIRE DEPOSITOR, LLC | ASPIRE DEPOSITOR, LLC |
| (Depositor) | (Depositor) | (Depositor) |
| By:&nbsp;&nbsp;&nbsp;&nbsp; | <u>/s/ Eric Bisman&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>  | <u>/s/ Eric Bisman&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:  | Eric Bisman |
|  | Title: | Authorized Officer |

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1 Clayton Services LLC ("Clayton") Due Diligence Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.2 Clayton ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.3 Clayton Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.4 Clayton Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.5 Clayton Rating Agency ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.6 Clayton Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.7 Clayton Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.8 Consolidated Analytics, Inc ("Consolidated Analytics") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.9 Consolidated Analytics Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.10 Consolidated Analytics Due Diligence Standard Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.11 Consolidated Analytics Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.12 Consolidated Analytics Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.13 Consolidated Analytics Supplemental Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.14 Consolidated Analytics Additional Securitization Data

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.15 Opus Capital Markets Consultants, LLC ("Opus") Executive Narrative

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.16 Opus Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.17 Opus ATR OR QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.18 Opus Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.19 Opus Business Purpose Supplement Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.20 Opus Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.21 Opus Standard Findings Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.22 Opus Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.23 Clarifii LLC ("Clarifii") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.24 Clarifii Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.25 Clarifii Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.26 Clarifii Rating Agency Grade Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.27 Clarifii Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.28 Clarifii Rating Agency Grade Detail Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.29 Clarifii Business Purpose Supplement Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.30 Clarifii ATR OR QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.31 Canopy Financial Technology Partners LLC ("Canopy") Narrative

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.32 Canopy Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.33 Canopy Business Purpose Supplement Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.34 Canopy Rating Agency Grades Detail Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.35 Canopy Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.36 Canopy Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.37 Canopy ATR OR QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.38 Canopy Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.39 Report of Independent Accountants on Applying Agreed-Upon Procedures, dated June 2, 2026

## Exhibit 99.1

![](logo_clayton.jpg)

SPIRE 2026-3 <br>

![](graphic_claytoncover.jpg)

### Due Diligence Narrative Report

### <br>

### May 29, 2026<br>

### <br>

------

![](logo_clayton.jpg)

 **TABLE OF CONTENTS**

<br> ---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2**  |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | *3*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | *3*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review | 3<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | *6* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | *6* |
| **Data Compare Results** | **6**  |
| **Clayton Due Diligence Results** | **7**<br>|
| **Clayton Third Party Reports Delivered** | **8**<br>|
| **Appendix A: Credit Review Scope** | **9**  |
| **Appendix B: Origination Appraisal Assessment**<br>| 12  |
| **Appendix C: Regulatory Compliance Review Scope** | **15**<br>|

---

SPIRE 2026-3 Due Diligence Narrative Report Page \| 1 May 29, 2026

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![](logo_clayton.jpg)

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](graphic_claytonbullet.jpg) | **Chris Turk**<br>| Client Service Manager<br>|
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk</u><u>@clayton.com</u> |
| ![](graphic_claytonbullet.jpg) | **Joe Ozment** | Director of Securitization<br>|
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

OVERVIEW

On behalf of Hometown Equity Mortgage ("Hometown"), Clayton conducted an independent third-party pre-securitization due diligence review of 11 residential loans. The due diligence for Hometown (11 loans) took place between July, 2025 and January, 2026.

Aspire Sponsor, LLC ("Aspire") acquired this diligence through a Reliance Letter purchase and selected these loans for the SPIRE 2026-3 transaction.

On behalf of Aspire, Clayton conducted an independent third-party pre-securitization due diligence review of 8 residential loans selected for the SPIRE 2026-3 transaction. The due diligence for Aspire (8 loans) took place between May, 2025 and October, 2025.

The loans referenced in this narrative report were reviewed 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** |
| Broker | 13 | 68.42% |
| Retail | 6 | 31.58% |
| **Total** | **19** | **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."

------

 <sup></sup> 

<sup>1</sup> Standard and Poor's, Moody's, Fitch, Kroll , DBRS & Morningstar

SPIRE 2026-3 Due Diligence Narrative Report Page \| 2 May 29, 2026

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![](logo_clayton.jpg)

SAMPLING

For all originators in this transaction the loans received a Full Review. For Aspire all of the loans were selected for a Full review and the remaining loans received a "Limited Review" as described below. <br>

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count*<br> *Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 19<br>| Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 19<br>|  |

---

SPONSOR ACQUISITION CRITERIA

The loans were originated to Redwood/Jumbo Program Eligibility Guide Select QM Version 2.3, 2.4, 2.5, 2.8, 2.9

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, Morningstar, 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.

CREDIT REVIEW<br>

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

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

SPIRE 2026-3 Due Diligence Narrative Report Page \| 3 May 29, 2026

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![](logo_clayton.jpg)

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

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

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

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

---

| | |
|:---|:---|
| ◾ | Examined Data Verify risk evaluation report, which was ordered and received by Clayton for income, employment, 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<br>

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.

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

◾ 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.

For loans reviewed in a post-close valuation review scenario:

For loans reviewed in a post-close valuation review scenario various products were ordered to support the value within a 10% tolerance such as Desk Review, Field Reviews, AVMs, BPOs, Reconciliations or loans included a 2<sup>nd</sup> appraisal to support the value. Please refer to the Valuations Report for additional details per loan.<br>

<br> - Clayton did not have independent access to any valuation products ordered by the Sellers.

<br> - Loans that had a Collateral Underwriter through Fannie/DU with a score of 2.5 or less and therefore did not require a 3rd party valuation product.

REGULATORY COMPLIANCE REVIEW<br>

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

<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:

SPIRE 2026-3 Due Diligence Narrative Report Page \| 4 May 29, 2026

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![](logo_clayton.jpg)

<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 all loans in the pool. 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. <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. However, client reserves the right to review on a case-by- case basis.<br>

<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, 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.

SPIRE 2026-3 Due Diligence Narrative Report Page \| 5 May 29, 2026

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![](logo_clayton.jpg)

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope.

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all loans in this transaction.

DATA CAPTURE

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

DATA INTEGRITY

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

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

◾ Loan Reviewer collects validated loan data in eCLAS;

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

◾ Discrepancies found during comparison are stored

DATA COMPARE RESULTS

Clayton provided Aspire with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review. <br>

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Combined LTV | 1 | 94.74% |
| Debt to Income Ratio (Back) | 1 | 94.74% |
| Original Appraisal Date | 4 | 78.95% |
| Original LTV | 1 | 94.74% |

---

SPIRE 2026-3 Due Diligence Narrative Report Page \| 6 May 29, 2026

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![](logo_clayton.jpg)

CLAYTON DUE DILIGENCE RESULTS

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

#### Initial and Final Overall Loan Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 9<br>|  | 1 | 1 | **11** |
| **Final** | **B** |  | 3 |  | 5 | **8** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **9** | **3** | **1** | **6** | **19** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 9<br>|  | 1 | 1 | **11** |
| **Final** | B |  | 3 | 1 | 4 | **8** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **9** | **3** | **2** | **5** | **19** |

---

#### Initial and Final Property Valuation Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 19<br>|  |  |  | **19** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **19** | **0** | **0** | **0**<br>| **19** |

---

#### Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 10 |  |  | 1 | **11** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **10**<br>| **1** | **0** | **1** | **12** |

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The total count of loans that received a compliance review (12 loans) varies from the overall pool count (19 loans) due to investor loans not having applicability for compliance results.

SPIRE 2026-3 Due Diligence Narrative Report Page \| 7 May 29, 2026

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CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. ATR QM Upload

<br> 5. Conditions Report

<br> 6. HOA Report

<br> 7. Loan Level Tape Compare Upload

<br> 8. Rating Agency ATR QM Upload

<br> 9. Sale Report

<br> 10. Valuations Summary Reports

<br> 11. Waived Conditions Summary Report

SPIRE 2026-3 Due Diligence Narrative Report Page \| 8<br> May 29, 2026

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APPENDIX A: CREDIT REVIEW SCOPE

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

&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:

<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

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<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

<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)

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<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>

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

SPIRE 2026-3 Due Diligence Narrative Report Page \| 11 May 29, 2026

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APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

&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.

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<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>

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

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<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

&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 <br>

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&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.

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

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&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

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

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<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

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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | RedBell "Valuation Risk Review" or ("VRR") means Supplier's alternative valuation product which consists of a review of a third-party valuation product (appraisal or BPO) by a licensed real estate appraiser. The review is conducted to confirm the value provided in the third-party valuation product or provide a new reconciled, independent value. |

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SPIRE 2026-3 Due Diligence Narrative Report Page \| 14 May 29, 2026

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

#### 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

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

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<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:

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

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

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<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

**Truth in Lending Act and Regulation Z** – (continued)

<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)

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on all loans in the pool, 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. |

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SPIRE 2026-3 Due Diligence Narrative Report Page \| 15 May 29, 2026

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|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | 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. |

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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, 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.

&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:

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

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SPIRE 2026-3 Due Diligence Narrative Report Page \| 16 May 29, 2026

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&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:

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

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&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.

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| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| Maine | Ohio | South Carolina |
| Massachusetts | Rhode Island |  |

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&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:

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

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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.)

SPIRE 2026-3 Due Diligence Narrative Report Page \| 18 May 29, 2026

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![](logo_clayton.jpg)

#### 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.

SPIRE 2026-3 Due Diligence Narrative Report Page \| 19<br> May 29, 2026

## Exhibit 99.2

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 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 |
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | SPIRE 2026-3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 5/9/2025 - 1/8/2026 | 5/9/2025 - 1/8/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** | **ATR QM Upload** | **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *19* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** |
| 409013215 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7644 | Yes | Yes | 0.241 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.11 | 16.93 | 19.11 | 16.93 | 16.93 | 16.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013462 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5712 | Yes | Yes | 1.853 | 1.853 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.61 | 13.3 | 13.61 | 13.3 | 13.3 | 13.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018241 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 12750.00 | No | (No Data) | 1.3530 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019301 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 7200.00 | 1.0052 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019308 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5550.00 | No | (No Data) | 1.2654 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019320 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.2778 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022124 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2508 | No | No | 2.869 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.49 | 56.77 | 49.49 | 49.49 | 49.49 | 49.49 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023740 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 0.7866 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024041 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0083 | No | No | 0.055 | 0.055 | 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) | 49.9 | 49.32 | 49.9 | 49.32 | 49.32 | 49.32 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 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 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 - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024319 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6957 | Yes | Yes | 0.663 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.25 | 26.24 | 26.25 | 26.24 | 26.24 | 26.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024322 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 3.813 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 1450.00 | No | (No Data) | 1.2580 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024867 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 13060.00 | No | (No Data) | 1.2275 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024873 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7878 | No | No | 2.453 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.92 | 47.64 | 47.92 | 47.64 | 47.64 | 47.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033580 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5500.00 | No | (No Data) | 1.0136 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033585 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3088.00 | No | (No Data) | 1.1547 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033597 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1285.00 | No | (No Data) | 1.0600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033626 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | Not Applicable | XXXXX | Not Applicable | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.5858 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033639 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6804.00 | No | (No Data) | 1.2898 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033714 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10360.00 | No | (No Data) | 1.0029 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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<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>

## Exhibit 99.3

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| | | | |
|:---|:---|:---|:---|
| **Client Name:** |  |  |  |
| **Client Project Name:** | **SPIRE 2026-3** | **SPIRE 2026-3** |  |
| **Start - End Dates:** | **5/9/2025 - 1/8/2026** | **5/9/2025 - 1/8/2026** |  |
| **Deal Loan Count:** | **19** |  |  |
| **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** | *19* |  |  |
| ***Loans with Conditions:*** | *11* |  |  |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |  |  |
| **18 - Total Satisfied Conditions** | **18 - Total Satisfied Conditions** |  |  |
|  |  | 8 - Credit Review Scope | 8 - Credit Review Scope |
|  |  |  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 1 - Category: Assets |
|  |  |  | 1 - Category: Credit/Mtg History |
|  |  |  | 2 - Category: Income/Employment |
|  |  |  | 2 - Category: Legal Documents |
|  |  |  | 1 - Category: Terms/Guidelines |
|  |  | 10 - Compliance Review Scope | 10 - Compliance Review Scope |
|  |  |  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 1 - Category: Compliance Manual |
|  |  |  | 8 - Category: TILA/RESPA Integrated Disclosure |
| **15 - Total Waived Conditions** |  |  |  |
|  |  | 14 - Credit Review Scope | 14 - Credit Review Scope |
|  |  |  | 2 - Category: Assets |
|  |  |  | 4 - Category: Credit/Mtg History |
|  |  |  | 1 - Category: DTI |
|  |  |  | 3 - Category: Income/Employment |
|  |  |  | 2 - Category: LTV/CLTV |
|  |  |  | 2 - Category: Terms/Guidelines |
|  |  | 1 - Compliance Review Scope | 1 - Compliance Review Scope |
|  |  |  | 1 - Category: Right of Rescission |
| <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. |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SPIRE 2026-3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **5/9/2025 - 1/8/2026** | **5/9/2025 - 1/8/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **19** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *19* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** <br>| *11* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 409013215 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has stable employment with XXXyears at current job.<br>|
| 409013215 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Credit | Income/Employment | Satisfied | A | A | A | A | CRDINC3204 | Income Documentation Missing | No | DD Firm Income calculation of $XXX is supported with XXX months business bank statements provided. Lender worksheet calculation $XXXBorrower income stated of $XXXIncome of $XXX to be used for transaction | (No Data) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has stable employment with XXXyears at current job.<br>|
| 409013462 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX<br>|
| 409013462 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 2 consecutive statement for XXX XXX only XXX month in file date XXX | 5.15.2025 Client provided exception approval for missing XXX consecutive month statement w/XXX #XXX | Upon further review by XXX, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score XXX and DTI of XXX% | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX<br>|
| 409013462 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2488 | Verbal verification of employment missing | No | Missing acceptable 3rd party verification for XXX prior to note date XXX | 5.15.2025 Client provided VVOE dated 4.30.2025 stating type of verification obtained was with XXX and provided XXX name however did not provide phone number used for verification w/XXX. In addition, Lender VVOE says Business License and internet website however none of these were provided. Condition remains Note: Bank statement income file, no tax returns in file. 5/16 Client provided an approved exception to allow the file without the XXX phone number documented on the VOE (XXX validated elsewhere in file) | Upon review by XXX XXX, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX<br>|
| 409018241 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 8/26 Client provided the signed guaranty | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409019301 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV for Subject Property is below guideline max LTV of XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence fo rthe past XXX years and XXX months.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrower does not have any major mortgage related occurrences<br>|
| 409019308 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Loan approval reflects qualifying fico is XXX. CBR in file reflects qualifying fico is XXX for B1 on XXX and XXX for B2 on XXX. Missing latest credit report reflecting middle fico of XXX. Guidelines for NONI+ require a XXX for XXX% LTV. | 09.10.2025 - Acknowledged by Client. | 09.10.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: XXX% consumer credit utilization in file<br>|
| 409019320 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO XXX >XXX points above guideline program minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves exceeds guideline requirements of XXX months.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No | Borrowers only have $XXX residual income for a 3 person household which requires a minimum of $XXX. | (No Data) | Canceled; Exception was granted prior to close for income calculated suing XXX% income expense factor when recalculated residual income is met with $XXX | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary in file, CD XXX CDXXX, CD XXX and CD XXX were issued but are all missing in file. | 10/15/25 Client provided the 4 missing CD packages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | 10/15/25 Client provided 4 missing CD packages. Per the Disclosure Tracking Summary and Details in file, the Initial XXX CD and the Revised XXX CD were only delivered to the primary Borrower. Provide confirmation that the Initial XXX and Revised XXX CDs were also sent to the Co-Borrower. | 11/03/2025 Client provided CD XXX and XXX received by Co-Borrower on XXX and XXX. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | CD XXX is the only CD in file. Missing initial and, if applicable, any revised CDs for further testing. | 10/15/25 Client provided 4 missing CD packages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial and, if applicable, any revised CDs for further testing. | 10/15/25 Client provided 4 missing CD packages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | 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 | Zero tolerance in amount of $XXX due to added Broker fee on final CD XXX. COC dated XXX found in file but a corresponding CD is missing. Fee was not disclosed to borrower within days of findings. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 10/15/25 Client provided the 4 missing CD packages. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Initial CD acknowledged by all title holders min XXX days prior to closing is missing in file. | 10/15/25 Client provided 4 missing CD packages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | DTI | Waived | C | B | C | B | CRDDTI187 | Debt Ratio > 60% | No | XXX% DTI exceeds the Aspire Expanded program max of XXX%. Review calculates total debts $XXX/total income $XXX comprised of XXX from B1 of $XXX and XXX income from B2 using XXX% of XXX mo. personal bank statement deposits and applying the required XXX% fixed expense ratio factor for $XXX/mo. vs. lender's calculation using a XXX% expense factor. Guides require personal bank statements to be reduced by the applicable fixed expense ratio of XXX% or an expense ratio provided by a XXX/Third Party Tax Preparer which can never be less than XXX%. Using a XXX% expense ratio will results in a DTI of XXX% and requires XXX/licensed tax preparer to attest that they have audited the business financial statements or reviewed working papers provided by the borrower. XXX/licensed tax preparer must attest that they are not related to the borrower or associated with the borrowers business and expense factor can never be less than XX%. | 11/10 Client provided an exception for income calculation using XXX% factor: DTI recalculated to XXX% | waived | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing third party evidence to verify B2 business is in existence and in good standing; Borrower only provided EIN number assignment from IRS dated XXX to verify XXX XXX of business. | 10.17.2025 Client provided SOS dated XXX verifying good standing, in existence. Note date XXX; over XXX calendar days of Note date. Per guidelines no more than XXX(XXX) calendar days prior to Note date. Condition remains for SOS to be dated (verifying XXX employment) within XXX calendar days. 10.31.2025 Client provided duplicate (previously provided) SOS dated XXX with Note date XXX however per guidelines no more than XXX(XXX) calendar days prior to Note date. SOS provided is more than 30 days from Note date. Condition remains for SOS dated within XXX calendar days of Note date for B2 11.5.2025 Client provided SOS dated XXX (post close) and file having prior to closing SOS dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409022124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Credit report, mortgage statement and payoff statement reflect evidence of forbearance that resulted in a loan modification due to hardship within the past XXX years. XXX mortgage statement dated XXX and payoff statement dated XXX include Non-Interest Bearing Principal Balance of $XXX being paid off through this subject c/o transaction. | 10/03/25 Upon further review XXX XXX XXX determined that the borrowers mortgage Late Payments, Bankruptcy, Foreclosure, Short Sale Or Modification Timeframes outside of Program Guideline is non material due to the following compensating factors: verified cash reserves and LTV below guidelines (exception not applied due to DTI)11/10 Client provided an exception for income calculation using XXX% factor: DTI recalculated to XXX%Exception applied | Upon review by XXX XXX, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409023740 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH183 | Credit report incomplete | No | Missing a full hard pull credit report for B1 providing merged credit information from the 3 major national credit repositories as required for every borrower; only a credit supplement with mortgage histories and no credit scores was provided. | 10/13 Client provided updated credit | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX mo. 0x30 mortgage payment history; no more than 1x30xXXX allowed.<br>|
| 409023740 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing all pages and borrower signatures for the Business Purpose & Occupancy Affidavit as required by XXX Aspire Expanded DSCR guides; only page 1 of 3 provided. | 10/13 Client provided the fully executed Bus purpose affidavit | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX mo. 0x30 mortgage payment history; no more than 1x30xXXX allowed.<br>|
| 409024041 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds 680<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current home<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified for reserves $XXX or XXX months with XXX months required<br>|
| 409024041 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | XXX% MAX LTV Investment purchase; file closed at XXX% LTV | 10/20 Client provided an approved exception to allow XXX% LTV investment purchase | Upon review by XXX XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds 680<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current home<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified for reserves $XXX or XXX months with XXX months required<br>|
| 409024319 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form instead of H9 ROR form | 10/15/25 Client provided an approved exception for using incorrect ROR form | 10/15/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline max of XXX% by XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% is below product max of XXX% by XXX%.<br>|
| 409024319 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | File is missing lender's QM determination. XXX's determination is rebuttable. | 10/18 Client accepts DD determination | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline max of XXX% by XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% is below product max of XXX% by XXX%.<br>|
| 409024319 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing full XXX month housing history as required by guideline from XXX through XXX. | 10/16/25 Upon further review XX XXX XXX determined that lack of documented housing history where one exists (missing VOR only) is non material due to the following compensating factors: LTV of XXX and DIT of XXX both below guidelines. | Final grade of B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline max of XXX% by XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% is below product max of XXX% by XXX%.<br>|
| 409024319 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | Credit | Income/Employment | Waived | C | B | C | B | CRDINC2488 | Verbal verification of employment missing | No | Missing third party evidence of business in existence and ingood standing and listing % owned by customer. | 10/18 Client provided an approved exception to allow the file without the third part VOE | Upon review by XXX XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline max of XXX% by XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% is below product max of XXX% by XXX%.<br>|
| 409024319 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2408 | Income verification does not meet guidelines | No | Missing business narrative prepared by customer or tax preparer including business description, nature, size and scope of business and signed by same. | 10/18Client provided an approved exception to allow the file without the Narrative | Upon review by XXX XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline max of XXX% by XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% is below product max of XXX% by XXX%.<br>|
| 409024322 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Assets | Waived | D | B | D | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | 1. Missing second complete statement for XXX Bk #XXX to support assets used to qualify and support required reserves.2. Missing formal or official documentation from XXX Bk that the guarantors are authorized signor and have access to business funds. Operating agreement does not directly clarify access to funds. | 10/14 Client provided an approved exception to allow the file without a second month asset statement and access letter | Upon review by XXX XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reports XXX mos. 0x30 and XXX mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor 1 has XXX years at current residence. Guarantor 2 has XXX years XXX months at current residence.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Minimal use of consumer credit. Credit line usage XXX%.<br>|
| 409024322 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Qualifying LTV XXX% exceeds program maximum XXX%. Approved exception in file for the XXX% LTV exception. | 10/14 Client provided an approved exception to allow the file at XXX% LTV | Upon review by XXX XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reports XXX mos. 0x30 and XXX mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor 1 has XXX years at current residence. Guarantor 2 has XXX years XXX months at current residence.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Minimal use of consumer credit. Credit line usage XXX%.<br>|
| 409024322 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | 1. Missing full recourse personal guaranty by all owners.2. Missing certificate of good standing from state of organization for XXX Lending. | 10/14 Client provided the executed guaranty; Cert of Formation is not dated; Provide a processor Cert for date verified 10.21.2025 Client provided executed Personal Guaranty and provided duplicate (previously provided) undated Cert of Formation to support good standing however is not dated. Condition remains for Certificate of good standing (dated prior to closing)10/21 Client provided an approved exception to allow the undated formation cert | Upon review by XXX XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage history reports XXX mos. 0x30 and XXX mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor 1 has XXX years at current residence. Guarantor 2 has XXX years XXX months at current residence.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Minimal use of consumer credit. Credit line usage XXX%.<br>|
| 409024867 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Please verify the additional $XXX in EMD deposits has cleared the Borrower's account (XXX#XXX) prior to XXX. Note: Additional exceptions may apply. | 10-21-25 Client responded: I have attached the documents needed. The EMD deposit for XXX was a combination of 2 deposits. See attorney letter explaining10-23-25 Client uploaded LLC docs. | 10-22-25 XXX reviewed evidence of deposit totaling $XXX which came from a XXX bank account owned by XXX. Provide evidence that XXX is the owner of XXX with full access to the funds in account #XXX. Exception remains. 10-23-25 XXX reviewed LLC docs reflecting XXX% ownership and bank statements which is acceptable based on deposits to account of over XXX per month. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above minimum program requirement of XXX.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has 0x30xXXX payment history on all open accounts.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>|
| 409024867 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | HEM' aggregate exposure to a single borrower and/or household shall not exceed $XXX in current unpaid principal balance (UPB) or four (4) loans. File indicates borrower is financing two loans which appear to be the same amount - subject at $XXX+ $XXX for XXX + $XXX per fraud report for XXX (XXX) + $XXX property address unknown with note dated XXX.Borrower exceeds the $XXXXXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score XXX/XXX minimum, XXX months mortgage history/XXX required and Borrower has 0x30xXXX payment history on all open accounts. | 11.03.2025 - Acknowledged by client. | 11.03.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above minimum program requirement of XXX.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has 0x30xXXX payment history on all open accounts.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>|
| 409024873 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or XXX months PITI reserves exceed required reserves of ($XXX x XXX = $XXX).<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX is below guideline requirement max of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below guideline requirement max of XXX.<br>|
| 409033580 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 mortgage history per VOM in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves in file; XXX required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.<br>|
| 409033585 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX, XXX months, XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above minimum program requirement of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>|
| 409033597 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX FICO score is above the XXX min.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is below the XXX% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX in reserves are above the required XXX.<br>|
| 409033626 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH183 | Credit report incomplete | No | Missing credit report per Non-Agency guidelines XXX: A domestic credit report should be pulled on all Foreign National Borrowers using XXX in place of a social security number. XXX deems non-material/non-fatal to lending decision due to compensating factors: XXX months Cash reserves/XXX required, XXX% LTV/XXX% maximum, High DSCR: XXX(Rents $XXX/ Expenses $XXX) and $XXX monthly savings in mortgage payment. | 12-12-25 Client replied: HEM accepts B grade12.23.2025- Acknowledged by client. | 12-12-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, XXX months reserves, XXX months required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% is below the maximum of XXX%<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $XXX/month or XXX%<br>CFCFS1750: High potential for increased earnings<br> - XXX Comments: DSCR: XXX(Rents $XXX/ Expenses $XXX)<br>|
| 409033626 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 12-12-25 Client uploaded final HUD. | 12-12-25 XXX reviewed and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, XXX months reserves, XXX months required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% is below the maximum of XXX%<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $XXX/month or XXX%<br>CFCFS1750: High potential for increased earnings<br> - XXX Comments: DSCR: XXX(Rents $XXX/ Expenses $XXX)<br>|
| 409033639 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below the maximum allowable of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409033714 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below the maximum allowable of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|

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------

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** <br>| **SPIRE 2026-3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **5/9/2025 - 1/8/2026** | **5/9/2025 - 1/8/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **19** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *19* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** <br>| *11* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 409013215 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013462 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409018241 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 409019301 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409019308 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409019320 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409022124 | XXXXXX | XXXXXX | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Yes |
| 409023740 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409024041 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 409024319 | XXXXXX | XXXXXX | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | No |
| 409024322 | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | No |
| 409024867 | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | No |
| 409024873 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409033580 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 409033585 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 409033597 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 409033626 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 409033639 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 409033714 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |

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## Exhibit 99.4

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| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** <br>| SPIRE 2026-3 |  |  |  |
| **Start - End Dates:** | 5/9/2025 - 1/8/2026 | 5/9/2025 - 1/8/2026 |  |  |
| **Deal Loan Count:** | 19 |  |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |  |
| *Loans in Report* | *19* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409013462 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409023740 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409023740 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409019301 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409019308 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409033626 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409033639 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |

---

## Exhibit 99.5

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** <br>| SPIRE 2026-3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 5/9/2025 - 1/8/2026 | 5/9/2025 - 1/8/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *19* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** |
| 409013215 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1368 | XXXXX | 7.7644 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013462 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 27100 | XXXXX | 7.5712 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018241 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409019301 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.99 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409019308 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.0001 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409019320 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409022124 | Non-QM: Lender documented all ATR UW factors <br>| No | XXXXX | XXXXX | No | No | 7382 | XXXXX | 7.2508 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023740 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.125 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409024041 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 905 | XXXXX | 8.0083 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409024319 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 2895 | XXXXX | 8.6957 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024322 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409024867 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409024873 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 15117.2 | XXXXX | 7.7878 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033580 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033585 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033597 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033626 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.375 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXX |
| 409033639 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033714 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.2499 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX |

---

<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>

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** <br>| SPIRE 2026-3 | SPIRE 2026-3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** <br>| 5/9/2025 - 1/8/2026 | 5/9/2025 - 1/8/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** | **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *19* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **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** | **Other** | **Other** | **Other** | **Other** | **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** |
| 409013215 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05)&nbsp;&nbsp;&nbsp;&nbsp; <br>|  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013462 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409018241 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) <br>|  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409019301 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409019308 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409019320 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022124 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023740 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409024041 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409024319 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable&nbsp;&nbsp;&nbsp;&nbsp; <br>|  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024322 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024867 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024873 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033580 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033585 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033597 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033626 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033639 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409033714 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |

---

## Exhibit 99.7

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** <br>| SPIRE 2026-3 |  |  |  |
| **Start - End Dates:** | 5/9/2025 - 1/8/2026 |  |  |  |
| **Deal Loan Count:** | 19 |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH183 | Credit report incomplete | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 1 |
| Credit | Credit/Mtg History | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | 1 |
| Credit | DTI | CRDDTI187 | Debt Ratio > xxx% | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least xxx%, but less than xxx% | 2 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2488 | Verbal verification of employment missing | 2 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 2 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - xxx Form Used in Refinance With Original Creditor | 1 |
| **Total** |  |  |  | **15** |
| <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 99.8

![](logo_ca.jpg)

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

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans purchased by Aspire Sponsor LLC. The review included a total of 775 newly originated residential mortgage loans, in connection with the securitization identified as SPIRE 2026-3 (the "Securitization"). The Review was conducted from June 2025 through June 2026 on mortgage loans originated between May 2025 and April 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 dollar 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 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. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

<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 HighCost 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 guideline from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

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

------

For loans reviewed in a post-close valuation review scenario (775 loans in total):

Eight (8) loans had a Secondary Appraisal, four (4) loans had an AVM, and four hundred forty-eight (448) loans had a Desktop Review.

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

One (1) loan had a Field Review or BPO, two (2) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the seven hundred seventy-five (775) mortgage loans reviewed, three hundred twenty-eight (328) unique mortgage loans (42.32% by loan count) had a total of five hundred forty-six (546) discrepancies across twenty (20) 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** |
| Property Value | 118 | 21.61% |
| Qualifying CLTV | 80 | 14.65% |
| Qualifying LTV | 79 | 14.47% |
| Property Attachment Type | 64 | 11.72% |
| Subject Property Type | 61 | 11.17% |
| Escrow Flag | 36 | 6.59% |
| Qualifying FICO | 34 | 6.23% |
| Pricing Doc Type | 26 | 4.76% |
| Cash out Include Debt Paid at Close | 10 | 1.83% |
| Number of Units | 8 | 1.47% |
| Prepayment Penalty Total Term | 6 | 1.10% |
| Borrower 2 SSN | 5 | 0.92% |
| Sales Price | 5 | 0.92% |
| Interest Rate | 4 | 0.73% |
| Property Zip Code | 4 | 0.73% |
| Qualifying Total Debt Income Ratio | 2 | 0.37% |
| Property Type | 1 | 0.18% |
| Amortization Term | 1 | 0.18% |
| Borrower 3 SSN | 1 | 0.18% |
| Borrower 1 SSN | 1 | 0.18% |
| **Grand Total** | **546** | **100.00%** |

---

------

#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |  |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 535 | $271957595.00 | 69.03% |
| Event Grade B | 240 | $124186089.00 | 30.97% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 775 | $396143684.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 600 | 77.42% |
| Event Grade B | 175 | 22.58% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 775 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 3 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 3 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 3 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 732 | 94.82% |
| Event Grade B | 40 | 5.18% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 772 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 730 | 94.19% |
| Event Grade B | 45 | 5.81% |

---

------

---

| | | |
|:---|:---|:---|
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 775 | 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 | 252 |
| Credit | A | Missing Business Entity Formation Document | 64 |
| Credit | A | Business Purpose Affidavit/Disclosure Missing | 29 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 27 |
| Credit | A | Missing Lease Agreement | 23 |
| Credit | A | The Final 1003 is Incomplete | 20 |
| Credit | A | Asset Qualification Does Not Meet Guideline Requirements | 20 |
| Credit | A | Application Profile Missing | 19 |
| Credit | A | The Note is Incomplete | 15 |
| Credit | A | Property Title Issue | 13 |
| Credit | A | Missing Letter of Explanation (Credit) | 13 |
| Credit | A | Missing VOM or VOR | 13 |
| Credit | A | Rent Loss Insurance Missing | 12 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 12 |
| Credit | A | The Deed of Trust is Incomplete | 11 |
| Credit | A | Housing History Does Not Meet Guideline Requirements | 11 |
| Credit | A | Third Party Fraud Report not Provided | 10 |
| Credit | A | Fraud Report Shows Uncleared Alerts | 10 |
| Credit | A | Rent Loss Coverage Not Sufficient | 9 |
| Credit | A | The Final 1003 is Missing | 9 |
| Credit | A | Asset 1 Does Not Meet Guideline Requirements | 9 |
| Credit | A | Missing explanation and supporting documentation for large deposit(s) | 9 |
| Credit | A | Title Coverage is Less than Subject Lien | 8 |

---

------

---

| | |
|:---|:---|
| Borrower 1 Photo Identification not provided | 8 |
| Purchase Contract is Incomplete | 8 |
| The Total Hazard Coverage is LESS than the Required Coverage Amount | 7 |
| Purpose does not meet eligibility requirement(s) | 7 |
| Audited Reserves are less than Guideline Required Reserves (Number of Months) | 7 |
| Audited LTV Exceeds Guideline LTV | 7 |
| Title Document is Partially Present | 7 |
| Approval/Underwriting Summary Not Provided | 6 |
| Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 6 |
| Missing Property Tax Cert | 6 |
| Borrower 1 3rd Party VOE Prior to Close Missing | 6 |
| Loan does not conform to program guidelines | 6 |
| HO6 Master Insurance Policy is Missing | 6 |
| Potential Occupancy/Current Address Issues identified in the file | 6 |
| Borrower 1 Credit Report is Missing | 6 |
| Missing Personal Guaranty | 6 |
| Missing Loan program disclosure | 5 |
| Flood Insurance Policy Missing | 5 |
| Missing final HUD-1 from sale of non-subject property | 5 |
| Hazard Insurance Effective Date is after the Disbursement Date | 4 |
| Borrower 2 Photo Identification not provided | 4 |
| Purchase Contract is Missing | 4 |
| The Deed of Trust is Missing | 4 |
| Asset 2 Does Not Meet Guideline Requirements | 4 |
| PUD Rider is Missing | 4 |
| Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | 4 |
| Delinquent Credit History Does Not Meet Guideline Requirements | 4 |
| Missing an established escrow impound account for taxes and insurance. | 4 |
| Verification of Borrower Liabilities Missing or Incomplete | 3 |
| Title Document Missing | 3 |
| Missing Lender Income Calculation Worksheet | 3 |
| Missing rent comparable schedule form 1007 | 3 |
| Borrower 2 Credit Report is Missing | 3 |
| Missing Trust Agreement | 3 |
| Audited FICO is less than Guideline FICO | 3 |
| Borrower 1 CPA Letter Missing | 3 |
| Missing Letter of Explanation (Income) | 3 |
| Borrower 1 Credit Report is Incomplete | 3 |
| DSCR is less than guideline minimum | 3 |
| Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | 3 |
| The Note is Missing | 2 |
| Approval/Underwriting Summary Partially Provided | 2 |

---

------

---

| | |
|:---|:---|
| Asset 3 Does Not Meet Guideline Requirements | 2 |
| Assets do not meet guideline requirements | 2 |
| The Initial 1003 is Missing | 2 |
| Income documentation does not meet guidelines | 2 |
| Missing letter of explanation | 2 |
| Income/Employment General | 2 |
| Asset 4 Does Not Meet Guideline Requirements | 2 |
| Purchase is not considered to be an Arm's Length Transaction | 2 |
| Cash Out Does Not Meet Guideline Requirements | 2 |
| Missing Prepayment Rider | 2 |
| Condo Rider is Missing | 2 |
| Guideline Seasoning not Met | 2 |
| Hazard Insurance Policy is Missing | 2 |
| Loan has escrow holdback. No proof it was released provided in file | 2 |
| Third Party Fraud Report Partially Provided | 2 |
| Satisfactory Chain of Title not Provided | 2 |
| Personal Guaranty Agreement Incomplete | 2 |
| Asset General | 2 |
| Tradelines do not meet Guideline Requirements | 2 |
| Hazard Insurance Missing or Defective | 2 |
| Asset 2 Expired | 2 |
| 1-4 Family Rider is Missing | 2 |
| Title Insurance Missing or Defective | 1 |
| Borrower signed as a Type of Party Not Allowed by the Loan Program | 1 |
| Borrower Rental Experience Not Within Guidelines | 1 |
| Other Rider is Missing | 1 |
| Missing Updated Credit Report Supplement | 1 |
| Overdraft/NSF Count Exceeds Tolerance | 1 |
| Borrower information on 1003 is incomplete | 1 |
| Credit history does not meet guidelines | 1 |
| The Final 1003 is Not Executed | 1 |
| Potential Fraud Reflected on Fraud Report | 1 |
| Borrower 1 Executed 4506-T Missing | 1 |
| Audited Loan Amount is less than Guideline Minimum Loan Amount | 1 |
| Borrower 1 Business Bank Statements Less Than 12 Months Provided | 1 |
| Borrower 2 Deed of Trust Signature does not match Note | 1 |
| Borrower 2 Award Letter Missing | 1 |
| Entity Documentation - Missing or Defective | 1 |
| Borrower Non-US Citizen Identification Document Missing | 1 |
| Purchase Contract does not Match Final CD | 1 |
| Missing Payment History | 1 |
| Missing Deed of Trust Riders | 1 |
| HO-6 Insurance Policy is Missing | 1 |

---

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---

| | | |
|:---|:---|:---|
| | Flood Certificate Partially Provided | 1 |
| | HO6 Master Insurance Policy is Partial | 1 |
| | Borrower 2 Executed 4506-T Missing | 1 |
| | Income 2 Months Income Verified is Missing | 1 |
| | Missing Income - Bank Statements | 1 |
| | Missing Verification of Rent | 1 |
| | Borrower 1 Deed of Trust Signature does not match Note | 1 |
| | Closing Protection Letter Missing or Defective | 1 |
| | Fraud: Potential Occupancy/Current Address Issues identified in the file | 1 |
| | Collections, liens or judgments not paid at closing | 1 |
| | Borrower Contributions Do Not Met Guideline Minimum | 1 |
| | Other Property Insurance Policy Missing | 1 |
| | Subject Property Address on Note does not match Insured Property Address | 1 |
| | Loan Agreement Missing | 1 |
|  | ***Total Credit Grade (A) Exceptions:*** | **893** |
| B | Missing an established escrow impound account for taxes and insurance. | 57 |
| B | Application Profile Missing | 34 |
| B | Audited Interested Party Contribution Exceeds Guideline Program Maximum | 19 |
| B | Asset Qualification Does Not Meet Guideline Requirements | 18 |
| B | Audited LTV Exceeds Guideline LTV | 14 |
| B | Income and Employment Do Not Meet Guidelines | 8 |
| B | Rent Loss Insurance Missing | 8 |
| B | Loan does not conform to program guidelines | 7 |
| B | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 6 |
| B | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 5 |
| B | Tradelines do not meet Guideline Requirements | 5 |
| B | Missing Business Entity Formation Document | 4 |
| B | Housing History Does Not Meet Guideline Requirements | 4 |
| B | Missing Personal Guaranty | 3 |
| B | DSCR is less than guideline minimum | 3 |
| B | The Final 1003 is Incomplete | 2 |
| B | Rent Loss Coverage Not Sufficient | 2 |
| B | Personal Guaranty Agreement Incomplete | 2 |
| B | Asset 1 Does Not Meet Guideline Requirements | 2 |
| B | Asset 2 Does Not Meet Guideline Requirements | 2 |
| B | Borrower Rental Experience Not Within Guidelines | 2 |
| B | Asset 7 Does Not Meet Guideline Requirements | 1 |
| B | Borrower 1 Personal Bank Statements Missing | 1 |
| B | Approval/Underwriting Summary Not Provided | 1 |
| B | Missing Lease Agreement | 1 |
| B | Overdraft/NSF Count Exceeds Tolerance | 1 |
| B | Audited DTI Exceeds Guideline DTI | 1 |
| B | Purchase is not considered to be an Arm's Length Transaction | 1 |

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---

| | | | |
|:---|:---|:---|:---|
| | | Business Purpose Affidavit/Disclosure Missing | 1 |
| | | Borrower Contributions Do Not Met Guideline Minimum | 1 |
| | | Borrower 2 Personal Bank Statements Missing | 1 |
| | | Missing VOM or VOR | 1 |
| | | Missing Letter of Explanation (Credit) | 1 |
| | | Missing Letter of Explanation (Income) | 1 |
|  |  | ***Total Credit Grade (B) Exceptions:*** | **220** |
| Compliance | A | No Compliance Findings | 89 |
| Compliance | A | Missing Required Affiliated Business Disclosure | 32 |
| Compliance | A | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 23 |
| Compliance | A | Lender did not provide ATR/QM Status Determination | 15 |
| Compliance | A | Charges That Cannot Increase Test | 13 |
| Compliance | A | eSigned Documents Consent is Missing | 13 |
| Compliance | A | Qualified Mortgage Lending Policy Points and Fees Test | 11 |
| Compliance | A | Higher-Priced Mortgage Loan Test | 10 |
| Compliance | A | Initial Closing Disclosure Delivery Date Test | 10 |
| Compliance | A | Revised Loan Estimate Delivery Date Test (prior to consummation) | 9 |
| Compliance | A | Qualified Mortgage APR Threshold Test | 6 |
| Compliance | A | Final HUD-1 Document is Missing | 5 |
| Compliance | A | Missing Initial Escrow Disclosure | 5 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 5 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 5 |
| Compliance | A | Final CD: Loan Disclosures Assumption incomplete or inaccurate | 4 |
| Compliance | A | TILA Right of Rescission Test | 4 |
| Compliance | A | Homeownership Counseling Disclosure Is Missing | 4 |
| Compliance | A | Missing HUD-1 Closing Statement | 4 |
| Compliance | A | CA AB 260 Higher-Priced Mortgage Loan Test | 3 |
| Compliance | A | TRID: Missing Loan Estimate | 3 |
| Compliance | A | Intent to Proceed is Missing | 3 |
| Compliance | A | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | 2 |
| Compliance | A | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | 2 |
| Compliance | A | Qualified Mortgage Safe Harbor Threshold | 2 |
| Compliance | A | Initial Loan Estimate Delivery Date Test (from application) | 1 |
| Compliance | A | Lender QM Status not validated | 1 |
| Compliance | A | CA Per Diem Interest Amount Test | 1 |
| Compliance | A | Right of Rescission is Missing | 1 |
| Compliance | A | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | 1 |
| Compliance | A | TRID: Missing Closing Disclosure | 1 |
| Compliance | A | Final CD: Estimated Taxes, Insurance, & Assessments monthly estimate is inaccurate | 1 |
| Compliance | A | TX Const, Art 16, § 50(a)(6)(M)(i) - Texas 50(a)(6) Notice for Home Equity Disclosure is not Provided | 1 |

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| | | | |
|:---|:---|:---|:---|
| | | Late Charge Grace Period is less than 10 days | 1 |
| | | Late Charge Percent is greater than 6% | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | **292** |
|  | B | Charges That Cannot Increase Test | 12 |
|  | B | Qualified Mortgage Lending Policy Points and Fees Test | 8 |
|  | B | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | 5 |
|  | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 4 |
|  | B | Lender Credits That Cannot Decrease Test | 4 |
|  | B | Charges That In Total Cannot Increase More Than 10% Test | 3 |
|  | B | TILA Right of Rescission Test | 2 |
|  | B | RESPA Homeownership Counseling Organizations Disclosure Date Test | 1 |
|  | B | Right of Rescission is Missing | 1 |
|  | B | TILA Finance Charge Test | 1 |
|  | B | TRID: Closing Disclosure Deficiency | 1 |
|  | B | Missing Initial Escrow Disclosure | 1 |
|  | B | Missing Required Affiliated Business Disclosure | 1 |
|  | B | **Total Compliance Grade (B) Exceptions:** | **44** |
| Property | A | No Property Findings | 124 |
| Property | A | Property Issue(s) are Present | 29 |
| Property | A | Property/Appraisal General | 25 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 12 |
| Property | A | FEMA Post Disaster Inspection Report not Provided | 6 |
| Property | A | Appraisal is Missing | 5 |
| Property | A | Condo Approval Missing | 5 |
| Property | A | External Obsolescence Present | 3 |
| Property | A | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | 2 |
| Property | A | Subject property appraisal is not on an as-is basis (Primary Value) | 2 |
| Property | A | Condo project is ineligible | 1 |
| Property | A | Property has been listed for sale in the past 12 months | 1 |
| Property | A | The appraisal was completed "Subject To" and the Completion Certificate in file is incomplete. | 1 |
| Property | A | Property address on appraisal does not match executed note | 1 |
| Property | A | HOA Questionnaire is Missing | 1 |
| Property | A | Appraisal Review - Missing | 1 |
| Property | A | Appraisal is Expired | 1 |
| Property | A | HOA Questionnaire is Incomplete | 1 |
| Property | A | **Total Property Grade (A) Exceptions:** | **221** |
| Property | B | Property/Appraisal General | 39 |
| Property | B | Property Issue(s) are Present | 10 |
| Property | B | Appraisal is Missing | 1 |
| Property | B | Ineligible Property | 1 |
| Property | B | **Total Property Grade (B) Exceptions:** | **51** |

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#### Event Grade Definitions

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

---

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

---

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---

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

---

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

---

## Exhibit 99.9

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 409016537 |  |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per the Credit Report, the FICO has been verified. Borrower does not have XXX score. |
| 409016537 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per the Appraisal, the XXX has been verified. |
| 409021080 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Value is XXX per appraisal. |
| 409021080 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio <br>| diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches lender calculation. |
| 409021271 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final ALTA Settlement Statement reflects escrows for taxes and insurance. |
| 409026316 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | True data matches XXX in file, Audited income and liabilities matches lender calculations. |
| 409024622 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | True Data reflects the this transaction has an escrow account. |
| 409026118 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX of XXX verified via the appraisal. |
| 409026118 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Total cash out of XXX per final CD. |
| 409026118 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of 76.92% matches XXX CLTV of 76.92%. |
| 409026118 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of 76.92% matches XXX LTV of 76.92%. |
| 409026118 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX of PUD verified via the appraisal and PUD rider XXX to Deed of Trust. |
| 409026600 | XXXXX |  | XXX | Cash out Include Debt Paid at Close <br>| closingDetailsNonCompliancePage | XXX | XXX | Audit cash out value captured from the final CD. |
| 409032408 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Verified cash out using final CD pg. XXX |
| 409030605 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | FCD confirms cash-out amount of $XXX. |
| 409030616 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per final CD in file is $XXX. |
| 409026250 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The True Data was verified to be accurate with the final CD. |
| 409031212 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out is XXX per closing disclosure. |
| 409031212 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per appraisal report. |
| 409031229 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Cash out which includes cash in hand + payoff of debts = XXX |
| 409027008 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit FICO captured from the credit report dated XXX. |
| 409027008 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Audit value captured from the final CD. |
| 409027008 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Audit value captured from the final CD |
| 409032335 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | XXX is the lower middle score. |
| 409029278 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Per Final CD cash out is XXX |
| 409032150 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Matches true data - Confirmed with appraisal, Tape data using XXX. |
| 409034118 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The final CD reflects escrow collected of taxes and insurance |
| 409031669 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | True data based on XXX loan amount. Loan amount changed prior to closing. |
| 409031669 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | True data is based on loan amount of XXX Loan amount changed prior to closing. |
| 409031669 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject property closed as a PUD, evidence in the file indicates the property may be a XXX Condo. Tape data value is XXX. |
| 409031669 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Bank Statements from borrower's business provided to verify income. |
| 409033273 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Qualifying XXX appropriately selected as the XXX, which is lower than the appraised value, resulting in conservative underwriting and guideline-compliant LTV. |
| 409033273 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Subject is a XXX-unit single-family residence per appraisal and purchase contract. System discrepancy reflects XXX data mapping. |
| 409033273 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Primary appraised value is $XXX; however, qualifying XXX is based on the lower XXX of XXX% in accordance with purchase transaction guidelines. LTV, CLTV, and HLTV calculations are therefore derived from the XXX and XXX within program limits. XXX% is the max LTV/CLTV per guidelines. |
| 409033273 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Primary appraised value is $XXX; however, qualifying XXX is based on the lower XXX of XXX% in accordance with purchase transaction guidelines. LTV, CLTV, and HLTV calculations are therefore derived from the XXX and XXX within program limits. XXX% is the max LTV/CLTV per guidelines. |
| 409033273 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Appraisal and security instrument identify the subject as a single-family dwelling. A standard 1-4 Family Rider is included as part of the uniform mortgage documentation package and does not indicate a XXX–XXX unit property. |
| 409032761 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 409032761 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Loan qualified with XXX month business bank Statements. Lender also provided XXX months personal bank Statement for SSI. |
| 409034298 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per Appraisal |
| 409034298 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrows included per final CD |
| 409032418 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX of PUD verified via the appraisal and PUD rider XXX to mortgage. |
| 409034275 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | The XXX months bank Statements are from the Business account. |
| 409033521 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | vale XXX per Appraisal |
| 409033521 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV of XXX matches XXX |
| 409033521 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV of XXX matches XXX |
| 409033521 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per Appraisal |
| 409037262 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal report and CDA is XXX |
| 409040364 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | The appraisal confirms subject is an XXX SFR (TowXXXome). |
| 409040364 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The appraisal confirms subject is an XXX SFR (TowXXXome). |
| 409040364 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The HUD-XXX confirms escrows are in place. |
| 409037191 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX As verified on the Appraisal. |
| 409037191 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Total sale price per appraisal XXX |
| 409037191 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD As verified on the Appraisal. |
| 409037667 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised value XXX per appraisal |
| 409037667 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audited property valuation is XXX%. Match XXX as well. |
| 409037667 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audited property valuation is XXX%. Match XXX as well. |
| 409038460 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit verified the XXX as PUD on the Appraisal and the PUD Rider. Tape data value is XXX. |
| 409039721 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit value captured from the appraisal and PUD rider in file. |
| 409040607 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | No prepayment is indicated in the loan file. |
| 409040607 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per the appraisal in file is XXX |
| 409040607 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Lower of the XXX borrower's mid scores is XXX |
| 409040607 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per the appraisal in file. |
| 409038277 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX of XXX is correct as per appraisal in file. |
| 409040320 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | Note rate is XXX per note which matches the lender's approval |
| 409040320 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | Per prepayment rider the penalty term is XXX months |
| 409040315 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | XXX uses the middle score from the highest wage earner. XXX uses the lowest middle score of both borrowers. |
| 409037934 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV 26.59% matches to the Lender as per the XXX and property appraised value |
| 409037934 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV 26.59% matches to the Lender as per the XXX and property appraised value |
| 409040882 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | True data is confirmed to be mid score. |
| 409040882 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Appraisal confirms property is an XXX PUD. |
| 409040882 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Settlement Statement confirms escrow amounts. |
| 409040887 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is XXX per appraisal in file. |
| 409040887 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal in file. |
| 409040887 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrows are indicated per the Final Settlement Statement in file. |
| 409040295 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Tape data is XXX. Actual value verified per Appraisal. |
| 409040296 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX p[er appraisal is XXX |
| 409039975 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | Prepayment addendum reflects XXX months. |
| 409039760 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | XXX Yes confirmed using Final Closing Disclosure. |
| 409038558 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan includes escrows of taxes & insurance per the final closing disclosure. |
| 409042019 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | purchase price is less than the appraised value. Using XXX as value. |
| 409041021 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per appraisal in file. |
| 409042015 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit XXX captured from the the appraisal vs. tape data is the purchase price. |
| 409040431 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Updated as per Credit Report. |
| 409040431 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Taxes and Insurance are escrowed per Final CD. |
| 409040384 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Manual calculation of CLTV: Loan amount XXX ÷ Appraised Value XXX × XXX = XXX% and the tape data shows CLTV as XXX% |
| 409040384 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Manual calculation of LTV: Loan amount XXX ÷ Appraised Value XXX × XXX = XXX% and the tape data shows LTV as XXX% |
| 409041128 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | GLs require use of previous PP of $XXX vs appraised value of $XXX. |
| 409041128 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | GLs require use of previous PP of $XXX vs appraised value of $XXX. |
| 409041818 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD reflects escrow for taxes and insurance |
| 409041818 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The subject is a single unit property locate din a PUD |
| 409040341 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX of XXX is correct as per property appraisal provided. |
| 409038524 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit appraised value captured from the appraisal. |
| 409038524 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of XXX matches XXX CLTV. Appraised value of $XX/XX/XXXX = XXX% or XXX%. |
| 409038524 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of XXX matches XXX LTV. Appraised value of $XX/XX/XXXX = XXX% or XXX%. |
| 409041994 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit captured PUD from the appraisal. |
| 409041994 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Audit followed Lender worksheet which reflects Asset Depletion amortized over XXX months which is considered alternative documentation vs full documentation in the lender guidelines. |
| 409040982 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Findings Report shows picture of property is XXX. Tape data value is XXX. |
| 409040982 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | There are no escrows per final CD. Tape date value is XXX. |
| 409039956 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Tape appraisal value is inconsistent with the value used to set the LTV's. Value of XXX is verified per appraisal in file. |
| 409039956 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Tape appraisal value is inconsistent with the value used to set the LTV's. Value of XXX is verified per appraisal in file. |
| 409039956 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Tape appraisal value is inconsistent with the value used to set the LTV's. Value of XXX is verified per appraisal in file. |
| 409039589 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit XXX value captured from the appraisal. |
| 409041863 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | value is XXX Per the appraisal |
| 409041863 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | $XXX/$XXX =23.19% CLTV |
| 409041863 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | $XXX/$XXX =23.19% LTV |
| 409041863 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | No business bank Statements in file. There are only XXX month personal bank Statements |
| 409040233 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 409040233 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX |
| 409040553 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed with appraisal |
| 409039749 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audited LTV of 73.91% matches lender final XXX Tape data value XXX. |
| 409039749 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audited CLTV of 73.91% matches lender final XXX Tape data value XXX. |
| 409040973 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is an XXX dwelling per the appraisal report. |
| 409040967 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is an XXX dwelling per the appraisal report. |
| 409040960 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is an XXX dwelling per the appraisal report. |
| 409042266 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | XXX updated as per Note |
| 409042266 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Variance is due to system/tape rounding to the nearest whole percent. |
| 409042266 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Variance is due to system/tape rounding to the nearest whole percent. |
| 409042266 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX Updated XXX as per Appraisal |
| 409041519 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX is XXX per appraisal. |
| 409041517 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | XXX confirmed using Note |
| 409041517 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX confirmed using Appraisal |
| 409041518 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | Verified subject loan XXX as per the Note in file. |
| 409041518 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Verified XXX as per the XXX Appraisal in file. |
| 409042891 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Appraisal shows XXX duplex |
| 409041722 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX confirmed using Appraisal |
| 409043441 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Per appraisal subject is XXX unit property. |
| 409043441 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal subject property XXX-end unit, per the deal guide corrected to XXX. |
| 409043441 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal XX/XX/XXXX unit. |
| 409042192 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO XXX confirmed using credit report. |
| 409040265 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal, property is semi XXX. |
| 409041041 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD does not reflect monthly escrows. |
| 409042335 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | LTV/CLTV of 59.57% based on $XXX appraised value |
| 409042335 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrow per Final CD |
| 409040621 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX PUD confirmed using appraisal report. |
| 409042204 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is marked as XXX per the appraisal. |
| 409039250 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal value is XXX, however XXX of XXX was used in calculation. |
| 409039250 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Lower of XXX vs. appraisal was utilized in calculation. |
| 409039250 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Lower of XXX vs. appraisal was utilized in calculation. |
| 409039250 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | PUD per rider and appraisal. |
| 409039250 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Defaults to XXX month XXX but only XXX months was verified. |
| 409042146 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per appraisal in file. |
| 409042146 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrows are included per final CD in file. |
| 409039372 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 409039372 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX LTV was XXX% |
| 409039372 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX CLTV was XXX% |
| 409040347 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 409042654 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit FICO captured from the credit report dated XXX |
| 409040357 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit XXX captured from the appraisal. |
| 409040216 | XXXXX |  | XXX | Borrower 1 SSN | the1003Page | XXX | XXX | Borrower 1 SSN confirmed using Final 1003. |
| 409040216 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Borrower 2 SSN confirmed using Final 1003. |
| 409039964 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV is 65% (Loan amount XXX / appraised value $XXX). Appears that tape data has an earlier CLTV calculation. |
| 409039964 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV is 65% (Loan amount XXX / appraised value $XXX). Appears that tape data has an earlier LTV calculation. |
| 409041735 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of 57.25% matches the lender's final XXX CLTV of 57.25%. |
| 409041735 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit CLTV of 57.25% matches the lender's final XXX CLTV of 57.25%. |
| 409042824 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per the appraisal report. Tape data is showing the purchase price of XXX |
| 409040586 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Matches true data; Confirmed with note and appraisal |
| 409040586 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Matches true data; Confirmed with note and appraisal |
| 409042073 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Audited data contains XXX months escrow for Hazard, Flood and Property Taxes. |
| 409039943 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX CLTV was XXX% |
| 409039943 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX LTV was XXX% |
| 409039943 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Per final XXX and documentation in the file, XXX months business bank Statements were used to quallify. |
| 409039979 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the appraisal document and the CDA desk review. |
| 409039979 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit verified the Lowest Mid Score of XXX for both borrowers on the credit report. |
| 409038282 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit data matches Credit Report. |
| 409041094 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report Qualifying FICO is XXX Tap data value is XXX. |
| 409042122 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit data per Appraisal, Desktop Analysis, and XXX |
| 409041687 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal is XXX |
| 409041687 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX is XXX |
| 409039984 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | The bank Statements are his business not personal. |
| 409039451 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed with appraisal Value is supported |
| 409040855 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 409040855 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX CLTV was XXX% |
| 409040855 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX LTV was XXX% |
| 409040855 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Per final XXX and documentation in the file, XXX months business bank Statements were used to qualify |
| 409044022 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report the subject property is not located in a PUD |
| 409042728 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD has no escrows. A Lender Exception was granted to waive escrows. |
| 409043377 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX PUD verified via the appraisal and PUD rider. |
| 409042240 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount of XXX / XXX Appraised Value = XXX% which matches the XXX |
| 409042240 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount of XXX / XXX Appraised Value = XXX% which matches the XXX |
| 409045015 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is XXX per the appraisal in file. |
| 409041740 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX duplex as shown on Appraisal |
| 409041705 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Primary value is XXX as the lower of two XXX appraisals. |
| 409041705 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Primary value is XXX, resulting in a CLTV of XXX. |
| 409041705 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Primary value is XXX, resulting in an LTV of XXX. |
| 409040591 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised value is XXX |
| 409042742 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX LTV was XXX% |
| 409042742 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX CLTV was XXX% |
| 409042742 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is a PUD. |
| 409042760 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | True data is correct, per appraisal |
| 409042760 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | True data is correct, per XXX |
| 409042760 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | True data is correct, per XXX |
| 409043578 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal. |
| 409042189 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per final XXX and credit report, qualifying credit score was XXX |
| 409041850 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audited LTV is 70.0% and matches the lender's LTV on the final XXX Appears tape data has earlier LTV calculation information, not the final LTV. |
| 409041850 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audited CLTV is 70.0% and matches the lender's CLTV on the final XXX Appears tape data has earlier CLTV calculation information, not the final CLTV. |
| 409042281 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed the XXX as per the full appraisal |
| 409042281 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Confirmed property as a PUD as per the full appraisal |
| 409042847 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal, property is semi XXX |
| 409040474 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | FICO of XXX verified via updated credit report provided dated XX/XX/XXXX. |
| 409043091 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Confirmed XXX property as per the appraisal |
| 409042767 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV 71.72% matches the lender's final XXX Tape data value XXX. |
| 409042767 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV 71.72% matches the lender's final XXX Tape data value XXX. |
| 409041474 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal in file is XXX Tape data value is XXX. |
| 409041474 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount $XXX/ Value XXX = 37.30% LTV. Tape data value is XXX. |
| 409041474 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount $XXX/ Value XXX = 37.30% CLTV. Tape data value is XXX. |
| 409042631 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | PUD Stated on Appraisal. Tape data value is XXX. |
| 409042570 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV 80.00% matches the lender's final XXX Tape data value XXX. |
| 409042570 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV 80.00% matches the lender's final XXX Tape data value XXX. |
| 409043268 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | XXX reflects credit score of XXX (high score) vs mid score of XXX |
| 409043268 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Confirmed with Appraisal. |
| 409041563 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal confirms value of $XXX. Tape data value XXX. |
| 409041563 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV 68.21% matches the lender's final XXX Tape data value XXX. |
| 409041563 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV 68.21% matches the lender's final XXX Tape data value XXX. |
| 409041741 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 409042244 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX updated as per Appraisal document |
| 409041723 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal confirms XXX of XXX vs XXX of XXX |
| 409041723 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Appraisal confirms subject is a XXX PUD. |
| 409042238 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is the appraised value, XXX is the XXX |
| 409042762 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX appraised value per Short Form and Desktop Analysis |
| 409044637 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal in file is $ XXX |
| 409044637 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount XXX / value XXX = 58.83% LTV |
| 409044637 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount XXX / value XXX = 58.83% CLTV |
| 409041154 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrow is XXX as only the Flood Insurance is escrowed per the Final CD in file. |
| 409044655 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO score is XXX |
| 409043897 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | True Data reflects the XXX as indicated on the appraisal report. |
| 409040227 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | PUD Rider in file, Property per appraisal in file reflects as a PUD. |
| 409044398 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit subject property captured from the appraisal and supported with PUD Rider. |
| 409043859 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Missing appraisal report to confrim |
| 409032350 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised value vs XXX. |
| 409032350 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD confirms no escrow account was established. |
| 409032353 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised value vs XXX. |
| 409032341 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Mid score per credit reports is XXX |
| 409041162 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Tape data is XXX of XXX |
| 409042239 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV calculated with Note amount and Appraised Value. |
| 409042239 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV calculated with Note amount and Appraised Value. |
| 409042330 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Matches true data - confirmed with note and appraisal and matches the XXX |
| 409042330 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Matches true data - confirmed with note and appraisal and matches the XXX |
| 409042472 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Confirmed with Appraisal Document |
| 409044616 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Confirmed Full Doc as primary income, with Asset Depletion as secondary Other income as per the documentation provided |
| 409042549 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX confirmed using Appraisal |
| 409042549 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan Amount $XXX/ value XXX = 43.60% CLTV LTV matches XXX |
| 409042549 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan Amount $XXX/ value XXX = 43.60% LTV. LTV matches XXX |
| 409042858 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 409042858 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is an SFR |
| 409043174 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Confirmed the qualifying LTV is 69.97% which matches the XXX loan amount/$XXX value = XXX%. |
| 409043174 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Confirmed the qualifying LTV is 69.97% which matches the XXX loan amount/$XXX value = XXX%. |
| 409045649 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Confirmed the attachment as per the property appraisal |
| 409043714 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | No prepayment fees per Note in file pg XXX |
| 409045606 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The FCD confirms escrows are in place. |
| 409041131 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Audit data per XXX months business bank Statements and Lender XXX-month bank Statement income calculation worksheet. |
| 409041672 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | No XXX |
| 409041679 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Verified per docs in file they are XXX Mos Business Statements. |
| 409042207 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The appraisal confirms the value of XXX vs the XXX of XXX |
| 409042280 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Confirmed the qualifying LTV of 70% which also matches the XXX |
| 409042280 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Confirmed the qualifying CLTV of 70% which also matches the XXX |
| 409043529 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| 409043529 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 409043535 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Property has an appraised value of XXX and a XXX of XXX |
| 409044575 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | The XXX on the appraisal was listed as semi-XXX end unit. Per XXX guidelines, Audit updated the attachment type to XXX. |
| 409043533 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is lesser than appraisal value |
| 409044646 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | XXX months Personal Bank Statements used for Income verification. |
| 409042548 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit middle lower score is B1 XXX as per credit report dated XXX |
| 409042548 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Audit income documentation type is full documentation based on the income documents in the file which include paystubs, W2's and Wage TT. |
| 409041721 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Audit verified XXX of XXX on the Appraisal document. |
| 409041721 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit verified XXX of XXX on the Appraisal document. |
| 409043121 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal confirms value of $XXX. |
| 409043121 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV 76.17% matches the lender's final XXX Tape data value XXX. |
| 409043121 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV 76.17% matches the lender's final XXX Tape data value XXX. |
| 409046054 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | The Appraisal reflects the subject is Single XXX End Unit, so put XXX as required. |
| 409043692 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Middle Qualifying FICO of the XXX borrowers is XXX |
| 409043530 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| 409043530 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 409042705 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Matches True Data - Confirmed with appraisal - Semi XXX Unit |
| 409042705 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Matches true data - confirmed with note and appraisal |
| 409042705 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Matches true data - confirmed with note and appraisal |
| 409042700 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 409042700 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 409042700 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 409042707 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan Amount XXX / XXX Appraised Value = XXX% |
| 409042707 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject submitted as XXX per the appraisal. |
| 409042707 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan Amount XXX / XXX Appraised Value = XXX% |
| 409042703 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit confirmed data per Note and Appraisal: XX/XX/XXXX=XXX |
| 409042703 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit confirmed data per Note and Appraisal: XX/XX/XXXX=XXX |
| 409043134 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX value as per Appraisal and Desktop Analyis |
| 409043134 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Property is a PUD as shown on Appraisal. |
| 409044338 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is a XXX unit |
| 409044338 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is XXX - XXX Units |
| 409046118 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject property is marked as a XXX per the appraisal. Tape data value is XXX. |
| 409046127 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX shows XXX and the listing price was XXX Appraisal shows the XXX as XXX the property has expired date of XX/XX/XXXX. hence updated the value from Appraisal |
| 409046127 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX is XXX as per Appraisal, XXX |
| 409046131 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit data verified per Appraisal as XXX. |
| 409042841 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The Auditor has confirmed the XXX as per the appraisal |
| 409042841 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | The Auditor has confirmed the LTV as per the XXX |
| 409042841 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | The Auditor has confirmed the CLTV as per the XXX |
| 409042863 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX confirmed using Appraisal |
| 409042863 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of 74.96% matches the lender's final XXX CLTV of 74.96%. |
| 409042863 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of 74.96% matches the lender's final XXX LTV of 74.96%. |
| 409039271 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX the XXX as shown on XXX and desktop analysis. XXX is $XXX |
| 409042559 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the Appraisal and the Desk Review documents. |
| 409042684 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Value XXX per appraisal |
| 409045211 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal in file is XXX |
| 409045211 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount XXX / value XXX = 42.25% CLTV |
| 409045211 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount XXX / value XXX = 42.25% LTV |
| 409042411 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | SF XXX per appraisal |
| 409044645 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Bank Statement program |
| 409041501 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit value captured from the appraisal |
| 409046124 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | XXX confirmed by Sales Contract. |
| 409046124 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX value confirmed by Appraisal. |
| 409041819 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Value XXX per appraisal |
| 409041819 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV XXX matches lender XXX |
| 409041819 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV XXX matches lender XXX |
| 409042277 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit XXX captured from the appraisal. Tape Value is purchase price. |
| 409043780 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Verified middle score is XXX per credit report. |
| 409046132 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX property per appraisal. |
| 409042126 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is marked as a PUD per the appraisal. |
| 409042323 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Confirmed 1003 |
| 409042611 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is the value as shown on the Appraisal and Desktop Analysis |
| 409042611 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | XXX is the Qualifying FICO as per the XXX |
| 409041746 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Subject value XXX per appraisal |
| 409045239 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit verified on the appraisal that the property is a semi-XXX row/towXXXouse unit. The Lender does not accept semi-XXX. Audit updated to XXX per Lender guidelines. |
| 409045438 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Appraisal reflects the subject is a PUD |
| 409045955 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV based on Note amount and Appraised value. $XXX / $XXX = XXX%. XXX has loan amount $XXX and has LTV as XXX%. |
| 409045955 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV based on Note amount and Appraised value. $XXX / $XXX = XXX%. XXX has loan amount $XXX and has CLTV as XXX%. |
| 409043515 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying Mid score per Credit Report dated XX/XX/XXXX is XXX |
| 409041688 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified the Appraised value: $ XXX see page XXX |
| 409042287 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV value of XXX matches the XXX |
| 409042287 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV value of XXX% matches the XXX |
| 409042906 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| 409043577 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit's CLTV of 80.00% matches the Lender's CLTV of 80.00% on the XXX |
| 409043577 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit's LTV of 80.00% matches the Lender's LTV of 80.00% on the XXX |
| 409040472 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| 409040472 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 409040472 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 409041565 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Audit verified an Approved Exception (Pages XXX-XXX) from the Lender to waive the escrow on this DSCR loan. |
| 409042904 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit XXX captured from the appraisal. XXX tape value as the purchase price is XXX |
| 409042904 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV matches the XXX CLTV. |
| 409042904 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV matches the XXX LTV. |
| 409045536 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 409041538 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal |
| 409046384 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX Confirmed on the Appraisal Report as $XXX. XXX is $XXX. |
| 409046384 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX Confirmed on the Appraisal Report as XXX. Property is semi XXX end unit. |
| 409045488 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX updated as per Appraisal |
| 409045398 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per appraisal. |
| 409042169 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified per appraisal XXX is $XXX. |
| 409042169 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Verified per appraisal property is a PUD. |
| 409042169 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Verified per Final CD loan has escrows. |
| 409042672 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 409046058 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | XXX #XXX used to qualify is personal account under XXX |
| 409041717 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX confirmed using appraisal report. |
| 409043884 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Property came in low at $XXX. SP $XXX |
| 409043696 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | B2 SSN is XXX per the 1003, W2, and credit report. Initial 1003 has the incorrect SSN for B2. |
| 409043696 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Property is a PUD per the appraisal report. |
| 409043550 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO score verified from credit score. |
| 409046739 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Property address verified via the note. |
| 409046739 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | Prepayment of XXX months verified via rider. |
| 409046739 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | XXX verified via the appraisal. |
| 409046739 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX verified via the appraisal. |
| 409046739 | XXXXX |  | XXX | Sales Price | closingDetailsNonCompliancePage | XXX | XXX | Transaction is a refinance. |
| 409046739 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX verified via the appraisal. |
| 409046739 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX of SFR verified via the appraisal. |
| 409044691 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX value as per Appraisal and Desk review |
| 409044691 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV calculated with Note amount and Appraisal Value. |
| 409044691 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV calculated with Note amount and Appraisal Value. |
| 409040517 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Updated as per Final 1003 for B2. Tape data has B1 data. |
| 409043063 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | confirmed with Appraisal |
| 409044054 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 409044054 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX LTV was XXX% |
| 409044054 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX CLTV was XXX% |
| 409045323 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX Confirmed on the Appraisal Report. Tape value is XXX. |
| 409045414 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Verified with CD, Escrows are XXX |
| 409043769 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX per appraisal report is XXX. |
| 409047001 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Pricing should support XXX-Month Business Bank Statement. Reviewer did not have access to amend this field. |
| 409047001 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal, the subject is a XXX. |
| 409045301 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per the appraisal report, the property attachment is identified as semi-XXX. As per guidelines, a semi-XXX property can be updated as XXX. |
| 409042583 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Verified LTV is 70% using value XXX and loan amount XXX which matches the transmittal summary |
| 409042583 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Verified CLTV is 70% using value XXX and loan amount XXX which matches the transmittal summary |
| 409042537 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV 75% Per final XXX |
| 409042537 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV 75% Per final XXX |
| 409044438 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Verified XXX Business Bank Statement in file. One personal bank Statement also in file. |
| 409044385 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Qualifying CLTV 55.40% confirmed matches XXX |
| 409044385 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Qualifying LTV 55.40% confirmed matches XXX |
| 409045776 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Credit report dated XX/XX/XXXX reflects a mid score of XXX |
| 409046731 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD confirms no escrow |
| 409046733 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | XXX Months personal Bank Statement are in file for income qualification. |
| 409045709 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit value captured from the appraisal as $XXX. |
| 409045709 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV matches XXX CLTV of 40.609%. |
| 409045709 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV matches XXX LTV of 40.609%. |
| 409045709 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit value captured XXX from the appraisal and verified with the PUD Rider. |
| 409041483 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX updated as per appraisal Report |
| 409041483 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX updated as per appraisal Report |
| 409041483 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of 74.79% matches the lender's final XXX CLTV of 74.79%. |
| 409041483 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of 74.79% matches the lender's final XXX LTV of 74.79%. |
| 409044402 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX of $XXX verified via the appraisal. |
| 409044402 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of 80% matches the lender's final XXX LTV of 80%. |
| 409044402 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of 80% matches the lender's final XXX CLTV of 80%. |
| 409046096 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV 22.74% based on Note amount and Appraised value and matches lender's XXX |
| 409046096 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV 22.74% based on Note amount and Appraised value and matches lender's XXX |
| 409043908 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX of XXX verified via the appraisal. |
| 409046197 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD reflects monthly escrows for taxes and insurance. |
| 409042520 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying Mid score per the Credit report in file dated XX/XX/XXXX is XXX |
| 409043549 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX Row or TowXXXouse as Stated on Appraisal. |
| 409043711 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Confirmed FICO Mid Score of XXX as per the CR |
| 409043758 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Subject has a XXX of XXX per appraisal. |
| 409045389 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit's CLTV of XXX matches the Lender's CLTV of XXX listed on the XXX |
| 409045389 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit's LTV of XXX matches the Lender's LTV of XXX listed on the XXX |
| 409042444 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Value is XXX per the appraisal. |
| 409044167 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is a PUD |
| 409044169 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit value captured from the appraisal. |
| 409045704 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX confirms as per appraisal report. |
| 409046162 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Updated as per Appraisal Report |
| 409045681 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO score of XXX verified via credit report provided. |
| 409042254 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit of AUS and XXX confirms LTV/CLTV at XXX% but have a loan amount of XXX but audit of note show loan amount at XXX which confirms LTV at XXX% (XX/XX/XXXX=XXX%) |
| 409042254 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit of AUS and XXX confirms LTV/CLTV at XXX% but have a loan amount of XXX but audit of note show loan amount at XXX which confirms LTV at XXX% (XX/XX/XXXX=XXX%) |
| 409043271 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX confirmed XXX per appraisal. XXX is XXX |
| 409044174 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Verified borrower's mid FICO is XXX per credit report. |
| 409046224 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit verified the property attachment as XXX on the Appraisal. |
| 409045322 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified with Final 1003 & Appraisal documents XXX is the Appraised value. XXX is the XXX. |
| 409043829 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per the Appraisal Report. Tape data is showing the purchase price. |
| 409043829 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Qualifying CLTV is 65% and matches the lender's XXX It appears tape data is not using the final numbers in the calculation. |
| 409043829 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Qualifying LTV is 65% and matches the lender's XXX It appears tape data is not using the final numbers in the calculation. |
| 409045303 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed with Appraisal value XXX Tape value is XXX. |
| 409045303 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Confirmed with Mortgage, Rider and Appraisal property is a PUD. |
| 409042527 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX of XXX verified via the appraisal. |
| 409042527 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of 79.48% calculated by loan amount of XXX and appraised value of XXX |
| 409042527 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of 79.48% calculated by loan amount of XXX and appraised value of XXX |
| 409044037 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Discrepancy is due to data entry, True data is correct. |
| 409044037 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal and mortgage subject property is PUD. |
| 409045013 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | Prepayment XXX months. |
| 409045013 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | per appraisal value is XXX |
| 409045013 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per CD there is an escrow. |
| 409046000 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | True Data value captured from the appraisal and verified with PUD Rider. |
| 409046001 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit verified that PUD rider was indicated on the Deed of Trust and there is a PUD rider in the loan file. |
| 409042312 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | SF XXX per appraisal |
| 409043466 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Confirmed zip code via note. |
| 409043845 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit verified, According to the Appraisal rpt property valuation, XXX id listed as "XXX". |
| 409043845 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit verified, XXX/CLTV: reflects LTV/CLTV of 80%; however, true XXX and CLTV are XXX% based on the lesser of XXX or appraised value XXX with a loan amount of XXX Updated data to reflect correct LTV/CLTV of 75.00%. |
| 409043845 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit verified, XXX/CLTV: reflects LTV/CLTV of 80%; however, true XXX and CLTV are XXX% based on the lesser of XXX or appraised value XXX with a loan amount of XXX Updated data to reflect correct LTV/CLTV of 75.00%. |
| 409044222 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Confirmed XXX months bank Statements. |
| 409045490 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | The XXX #XXX account is held solely in the borrower's name; therefore, the pricing document type is Bank Statements – XXX Months Personal. |
| 409047550 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrows file hence updated yes confirmed with CD and IEAD |
| 409045403 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | XXX is XXX per the purchase agreement. |
| 409045403 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan Amount of XXX / XXX = XXX% |
| 409045403 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan Amount of XXX / XXX = XXX% |
| 409047557 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Underwriting Note: Per XXX DSCR guidelines, an escrow (impound) account for taxes and insurance is required. Review of the loan file confirms that an escrow account has been established Acceptable as documented. No further action required, as escrow account is in place and meets XXX DSCR requirements. |
| 409045408 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed the XXX of XXX matches the appraisal and Collateral Desktop Analysis. XXX is XXX |
| 409047562 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per CD |
| 409047562 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Rider in file for PUD. |
| 409044205 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 409045461 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit verified the XXX as a PUD on the Appraisal. |
| 409041579 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | FICO updated to reflect what is on the credit report which is XXX |
| 409041579 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | XXX months personal Statements were provided not business. |
| 409041714 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV based on Note amount and Appraised value. |
| 409041714 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV based on Note amount and Appraised value. |
| 409044159 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed both the appraisal and Desktop Analysis reflect a value of XXX |
| 409043901 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Confirmed bank Statement program |
| 409042775 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Per appraisal, property has been completely renovated and is now a XXX unit AND is a condo. |
| 409043461 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX confirmed using XXX |
| 409043461 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX confirmed using XXX |
| 409043414 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed the XXX of XXX from the appraisal and the Desktop Analysis. |
| 409045045 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Manual calculation of LTV: Loan amount XXX ÷ Appraised Value or Sale Price XXX = 60% CLTV. |
| 409045045 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Manual calculation of LTV: Loan amount XXX ÷ Appraised Value or Sale Price XXX = 60% LTV. |
| 409045045 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX: PUD Confirmed with Appraisal and Mortgage document and PUD rider. |
| 409045578 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Manual calculation of CLTV: Loan amount XXX ÷ Appraised Value XXX × XXX = XXX% However the tape data shows CLTV as XXX% |
| 409045578 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Manual calculation of LTV: Loan amount XXX ÷ Appraised Value XXX × XXX = XXX% However the tape data shows LTV as XXX% |
| 409047453 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX updated as per Appraisal document |
| 409043865 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, an escrow account was established |
| 409045018 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit verified the XXX of XXX on the Appraisal document. |
| 409045024 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the Appraisal document. |
| 409045024 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit verified the XXX as XXX on the Appraisal document. |
| 409045148 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX value as per Appraisal. |
| 409045544 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Confirmed the CD does not reflect the taxes and insurance are escrowed. |
| 409046083 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per XXX is XXX vs appraisal value XXX |
| 409046083 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO as the lowest mid score of XXX borrowers is XXX |
| 409046083 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan Amount $XXX/ Sale price XXX = 44.34% CLTV |
| 409046083 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan Amount $XXX/ Sale price XXX = 44.34% LTV |
| 409045263 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Business Statements used to calculate qualifying income confirmed. |
| 409042722 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | XXX is XXX per the appraisal report. Appears tape data is pulling from another loan file (XXX). |
| 409042722 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per the appraisal report. Appears tape data is pulling from another loan file (XXX Kent Ave). |
| 409042722 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO is XXX this matches the lender's final XXX |
| 409042722 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Qualifying CLTV is 80%, this matches the lender's final XXX |
| 409042722 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Qualifying LTV is 80%, this matches the lender's final XXX |
| 409042722 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan includes escrows of taxes and insurance per the final closing disclosure. |
| 409043839 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed the appraisal reflected a value of XXX |
| 409043876 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Final CLTV is 68.38% and matches lender's final XXX appears tape data has an earlier/not final figure. |
| 409043876 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Final LTV is 68.38% and matches lender's final XXX appears tape data has an earlier/not final figure. |
| 409045451 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX- Per appraisal SFR. |
| 409045497 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 409046258 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV 69.02% matches the lender's final XXX Tape data value XXX. |
| 409046258 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV 69.02% matches the lender's final XXX Tape data value XXX. |
| 409047605 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX verified per appraisal provided in file. |
| 409047605 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV variation due to difference in Lender use Appraisal value and value of appraisal in file |
| 409047605 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV variation due to difference in Lender use Appraisal value and value of appraisal in file |
| 409045569 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 409045569 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is a PUD |
| 409046023 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The Appraisal confirms value of $XXX vs XXX of $XXX. |
| 409046023 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The Appraisal confirms subject is a PUD. |
| 409046036 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the Appraisal document. |
| 409046036 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit's LTV of XXX matches the Lender's LTV of XXX on the XXX Summary. |
| 409046036 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit's CLTV of XXX matches the Lender's CLTV of XXX on the XXX Summary. |
| 409046036 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Audit verified the XXX as XXX month business as evidenced by the business bank Statements, but unable to change to XXX month business in the system. |
| 409046036 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit verified the XXX as PUD on the Appraisal and the PUD Rider. |
| 409045366 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit value captured from the appraisal vs. tape value is the purchase price. |
| 409045215 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying Mid ICO is XXX |
| 409045396 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO-Mis score XXX |
| 409045665 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV based on Note and Appraised value. |
| 409045665 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV based on Note and Appraised value. |
| 409047767 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX-XXX |
| 409046135 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per the appraisal in file. |
| 409044403 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 409046318 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | settlement Statement reflects escrows |
| 409043087 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Confirmed per credit report page XXX dated XX/XX/XXXX mid score. |
| 409043087 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Confirmed per appraisal page XXX dwelling in a pud. |
| 409045539 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Audit verified the XXX as XXX months business bank Statements as evidenced by the Business Bank Statements in the loan file and the provided CPA letter. |
| 409044337 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal supports a value of XXX |
| 409047493 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX |
| 409045049 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX CLTV was XXX% |
| 409045049 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 409045049 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX LTV was XXX% |
| 409046255 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Confirmed per appraisal property is a XXX pud. |
| 409046333 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | The FCD confirms XXX of XXX vs appraised value of $XXX. |
| 409046333 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV 69.98% matches the lender's final XXX Tape data value based on appraised value vs XXX. |
| 409046333 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV 69.98% matches the lender's final XXX Tape data value based on appraised value vs XXX. |
| 409043521 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The Appraisal confirms the value of $XXX vs XXX of $XXX. |
| 409049289 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX |
| 409047460 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX property verified per Appraisal |
| 409042449 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 409042449 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV 36.84% due to appraised value being higher than what is on the Final 1003. |
| 409042449 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV 36.84% due to appraised value being higher than what is on the Final 1003. |
| 409042449 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 409046995 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Confirmed per appraisal subject property is a XXX unit. |
| 409046995 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed property appraised value is XXX and prior XXX from XXX months prior to closing is XXX |
| 409046995 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Confirmed per appraisal property is a XXX-unit property. XXX units connected to each other but not any other units. |
| 409046914 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | SSN for B2 verified via the Final 1003. |
| 409046914 | XXXXX |  | XXX | Borrower 3 SSN | the1003Page | XXX | XXX | SSN for B3 verified via the Final 1003. |
| 409047525 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX value as per Appraisal |
| 409047525 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX residence as per Appraisal |
| 409047006 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX was the prior appraisal value from borrower's purchase XX/XX/XXXX. Current appraisal value slightly higher at XXX Borrower receiving cash out within XXX months of purchase required using original purchase price for value. |
| 409044323 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The Appraisal confirms subject is a XXX PUD. |
| 409043879 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX verified via the appraisal. |
| 409042565 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The Appraisal confirms subject property is a XXX PUD. |
| 409049899 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per Final CD loan is escrowed |
| 409044683 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX of SFD verified via the appraisal. |
| 409045479 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit's LTV of 80% matches the Lender's LTV of 80% on the XXX Summary. |
| 409045479 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit's CLTV of 80% matches the Lender's CLTV of 80% on the XXX Summary. |
| 409046401 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified, XXX: XXX (Appraised) \| Property Valuation (purchase Price): XXX LTV based on lower of appraised value or purchase price — XXX purchase price used. LTV = XXX / XXX = XXX% — meets XXX XXX guideline max 80% LTV. |
| 409045066 | XXXXX |  |  | Amortization Term |  | XXX | XXX | IO XXX months |

---

## Exhibit 99.10

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 409016537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete&nbsp;&nbsp;&nbsp;&nbsp; <br>| 06/02/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The loan file contained the XXX UCDP; however, it did not return a score. | CDA provided | 06/25/2025 | Third party valuation product provided within tolerance.; Document Uploaded. | 04/30/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409016537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/03/2025 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409016537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/03/2025 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409021080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409025217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409025217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409025217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409021271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Waived | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage XXX DSCR v13 guidelines require rent loss insurance covering a minimum XXX months for subject property. Hazard insurance policy only States 'actual cash value'. Missing actual rent loss amount or verification of XXX months. | ; ; | 11/03/2025 | Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO (min XXX) XXX) DSCR XXX (min XXX), XXX) reserves $XXX++ (min required $XXX) | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409021271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower's XXX experience is within guidelines, but management intentions are not contained in the loan file. | ; Document Uploaded. ; Document Uploaded. Documentation received, XXX to review ; | 11/03/2025 | Borrower Rental Experience Within Guidelines | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409021271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for inquiry within XXX days of note date. Borrower has three credit inquiries from XX/XX/XXXX - XX/XX/XXXX. | ; Documentation received, XXX to review ; Document Uploaded. ; | 10/29/2025 |  | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409021271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Waived | XXX | Credit | Application Profile Missing | Missing Borrower's contact consent form. | ; ; ; | 10/22/2025 | Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO (min XXX) XXX) DSCR XXX (min XXX), XXX) reserves $XXX++ (min required $XXX) | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409026316 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete The executed Note found in the loan file is an Interest-Only Period Fixed Rate Note, the lock indicates the loan is not interest only. The executed Note is incomplete with blank interest only period fields. The inconsistency creates ambiguity in repayment terms, potentially affecting enforceability. Lender to provide a re-executed correct fixed rate note. | ; Documentation received, XXX to review.; Document Uploaded. ; condition updated XXX ; Document Uploaded. Documentation received, XXX to review.; ; ; | 12/05/2025 | The Note is Present; Completed re-signed note received.; Please provide fully executed Note as XXX year fixed and non-IO updated lock. ; The Note is Incomplete | 12/05/2025 | 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 LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409026316 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | A XXX XXX Revolving account is included on the Final 1003 with a balance of XXX but is not listed on the credit report. Lender to provide documentation verifying terms and payment history. | ; Document Uploaded. ; Documentation received, XXX to review.; | 12/05/2025 | Statement provided. | 12/05/2025 | 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 LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409026316 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Rescinded | XXX | Credit | Fraud: Potential Occupancy/Current Address Issues identified in the file | Borrower previously resided rent-free with parents with no prior property ownership. File reflects the purchase of a mixed-use property on XX/XX/XXXX declared as the borrower's primary residence. A rent-free letter from parents dated XX/XX/XXXX confirms borrower was still residing with them at that time. The borrower acquired a second mixed-use property on XX/XX/XXXX identified as an investment property and is currently purchasing the subject property a single-family residence as an investment property. | ; | 11/07/2025 | Documentation contained in loan file explains addresses. | 11/07/2025 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409026316 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | XXX | Credit | Application Profile Missing | Lender guidelines require the XXX Business Narrative completed by the borrower be included in the loan file, Lender to provide. | ; | 11/07/2025 | Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: 60% LTV, XXX% DTI, XXX FICO. | 11/07/2025 | 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 LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409024622 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | XXX | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. XXX was declared a disaster area on XXX XXX The appraisal report, with an effective date of XXX XXX was completed after the declaration. However, the appraiser did not comment on the adverse event or certify that the disaster had no impact on the property's valuation. This certification is required for compliance with program guidelines dated XXX XXX (Version XXX), as outlined in the FEMA Disaster Declaration section on page XXX of XXX | ; ; | 11/12/2025 | The appraisal was performed post disaster, no damage noted ; FEMA Post Disaster Inspection report was provided. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409024622 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | Missing Business Entity Formation Document | An Operating Agreement is required to verify the borrower's membership and determine whether additional members exist, along with their respective percentage of interest, if applicable. | ; Documentation received in XXX review.; Document Uploaded. ; | 11/12/2025 | Business entity documentation provided. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409024622 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Missing prepayment addendum to the note. Per the final CD, loan has a prepayment penalty. | ; ; ; | 11/12/2025 | The Note is Present | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409024622 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. A merged credit report from the three major national repositories is required to verify sufficient tradelines, determine the qualifying score, confirm OFAC status, review mortgage payment history, identify any derogatory credit, review recent inquiries, and ensure there are no outstanding material liens or judgments. | ; ; Document Uploaded. ; | 11/12/2025 | Borrower 1 Credit Report is not missing. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409026118 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 76.92% exceeds Guideline LTV of 75% XXX DSCR v13 guidelines max LTV is 75% for a Cash-Out Refinance with FICO score of XXX Per XXX loan was approved with an LTV of 76.923%. Audit LTV of 76.92% exceeds guidelines. | ; XXX to review exception. DD to open condition.; Requesting an exception based on the following compensating factors - Credit score XXX Good credit history with no mortgage lates. XXX months of reserves can be used from cash out balance; | 12/11/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Credit score XXX Good credit history with no mortgage lates. XXX months of reserves can be used from cash out balance | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409026600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/16/2025 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts | ; Documentation and comment received, XXX to review.; Document Uploaded. The mortgage is in the husband XXX's name only. See XXX mortgage Statement. I also pulled the deed from property records, and it looks like the deed is in both of their names. Please advise what you need me to do or if anything else is required. ; ; | 11/23/2025 | All Fraud Report Alerts have been cleared or None Exist; XXX Fraud Report reflects an undisclosed property located at XXX XXX that reflects a purchase date of XXX and was not disclosed on the final application. Provide documentation to support the borrower does not have ownership and/or corrected application including the property. | 11/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409026600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | XXX | Credit | Third Party Fraud Report XXX Provided | Third Party Fraud Report XXX Provided XXX Fraud Report reflects an undisclosed property located at XXX XXX that reflects a purchase date of XXX and was not disclosed on the final application. Provide documentation to support the borrower does not have ownership and/or corrected application including the property. | Third Party Fraud Report XXX Provided XXX Fraud Report reflects an undisclosed property located at XXX XXX that reflects a purchase date of XXX and was not disclosed on the final application. Provide documentation to support the borrower does not have ownership and/or corrected application including the property. | 11/16/2025 | Third Party Fraud Report is fully present | 11/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409026600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Waived | XXX | Credit | Loan does not conform to program guidelines | The business XXX XXX is a layered entity with XXX as the sole member of XXX XXX. (Amendment dated XXX confirms XXX XXX is the XXX% XXX of XXX). Layered entities are not allowed per guidelines. Client approved exception allows for layered entity based on the following: background check on prior member/XXX XXX, meet all DSCR guidelines, minimum DSCR XXX. Comp factors: XXX) 65% LTV and XXX) XXX in reserves. | The business XXX XXX is a layered entity with XXX as the sole member of XXX XXX. (Amendment dated XXX confirms XXX XXX is the XXX% XXX of XXX). Layered entities are not allowed per guidelines. Client approved exception allows for layered entity based on the following: background check on prior member/XXX XXX, meet all DSCR guidelines, minimum DSCR XXX. Comp factors: XXX) 65% LTV and XXX) XXX in reserves. | 11/16/2025 | Client approved exception allows for layered entity based on the following: background check on prior member/XXX meet all DSCR guidelines, minimum DSCR XXX. Comp factors: XXX) 65% LTV and XXX) XXX in reserves. | 11/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409026621 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035342 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Provide documentation to support large deposit on XXX of XXX to account ending XXX |  |  | CD provided confirming large deposit is sale proceeds, exception resolved. ; Document Uploaded. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409035342 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409035342 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409035250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | 11/20/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. |  | Informational | 11/25/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/25/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/25/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035338 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/25/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035338 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/25/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035338 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/25/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035339 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements. |  | Informational | 12/02/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035339 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/02/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035339 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/02/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide documentation to support monthly mortgage payment, taxes, hazard insurance for property at XXX Provide verification of taxes and hazard insurance for property at XXX. Provide Hazard insurance for property at XXX reflected on Final 1003 | Provide documentation to support monthly mortgage payment, taxes, hazard insurance for property at XXX Provide verification of taxes and hazard insurance for property at XXX. Provide Hazard insurance for property at XXX reflected on Final 1003 |  | ; Document Uploaded. ; Missing verification of HOA for XXX XXX. File contains HOA LOE for XXX XXX but not for XXX XXX.; Document Uploaded. | 12/10/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409035238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/02/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409035238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/02/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032408 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409030605 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Informational | 12/04/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. There is no XXX nor lenders approval found in the file. |  |  | XXX provided, exception resolved. ; Approval/Underwriting Summary is fully present; Document Uploaded. | 12/09/2025 | 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.<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409035303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | 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.<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409035303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | 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.<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409035310 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035310 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409035310 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409030616 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 73.2% exceeds Guideline LTV of 70% XXX DSCR v13 Guidelines State: For refinance transactions, XXX must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is tenant occupied per the appraisal, and there is no evidence of the lease in file. Unleased properties require a XXX% reduction in LTV (Max XXX%) | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 12/18/2025 | Audited LTV of 73.2% is less than or equal to Guideline LTV of 75% | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409026250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/06/2025 | Resolved | XXX | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. The refinance is a DSCR loan, however the appraisal reflects as XXX Occupied. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 12/17/2025 | Intent of borrower's occupancy supported; Revised appraisal received showing property currently vacant. Lease agreement was provided showing property will be leased. | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409026250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing explanation and supporting documentation for the following large deposits as loan requires XXX months reserves to be documented: XXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX | ; Requesting escalation - funds transferred from business for reserves. ; in escalation ; Per underwriter the highlighted deposits below are from the XXX business account Statements. XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX. (I XXX the Statement reflect the deposits not sure if this what you need).; XXX Condition XXXs, documentation provided does not explain or source large deposits. ; Document Uploaded. ; Documentation received, XXX to review.; | 12/17/2025 | Deposit of XXX into the borrowers personal account on XX/XX/XXXX cannot be sourced. The business account at that time had less than XXX in it, therefore deposit was excluded. Reserves adjusted to XXX months, which is still within guidelines ; Statement dated from XX/XX/XXXX to XX/XX/XXXX provided for business. Deposits in question were not documented or sourced as required per guidelines. ; Missing explanation and supporting documentation for the following large deposits as loan requires XXX months reserves to be documented: XXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409026250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXX | Credit | Missing Lease Agreement | Missing lease agreement for the subject property. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/12/2025 | Lease agreement provided. | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/09/2025 | Acknowledged | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program | ; waiver requested. ; | 12/16/2025 | Client approved an exception to guidelines for missing business narrative required per XXX Expanded v12. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI (max XXX%) – XXX FICO (min XXX) - Reserves $497k. | 12/16/2025 | 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%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409031619 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Borrower is a XXX time XXX. Maximum LTV for XXX time XXX is XXX% | ; Document Uploaded. ; | 12/12/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX FICO vs. XXX minimum, XXX months reserves vs. XXX minimum | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409031212 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Waived | XXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries. | ; Please waive for B Grade. Seller does not obtain inquiry letter on DSCR. Reviewed with XXX team and fine to move forward without. Comp Factors: 61.67% LTV; XXX DSCR; XXX FICO; XXX Mos PITIA reserves.; | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: 61.67% LTV; XXX DSCR; XXX FICO; XXX Mos PITIA reserves | 12/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.67% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.67% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409031106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Waived | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage. | ; | 12/15/2025 | Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX FICO > guideline minimum of XXX Lower LTV/CLTV 63.70% XXX% DSCR XXX (min XXX) | 12/15/2025 | 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 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.7% is less than Guideline LTV of 80%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409031229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing required Two months personal bank Statements to support the WVOE –Deposits must match current employer. | ; ; please cancel, loan is XXX and written voe in file to support. ; | 12/18/2025 | Income and Employment Meet Guidelines | 05/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.99% is less than Guideline LTV of 75% \| 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 28.99% is less than Guideline CLTV of 75% \| 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.<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409032849 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409032224 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409027008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/19/2025 | Resolved | XXX | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Expired Permanent Resident alien card found in the loan file. Note date is XXX and card expired on XXX. Provide Permanent Resident alien card and/or documentation that is not expired with copies of the front and back as required per guidelines. | ; Documentation received, XXX to review.; Document Uploaded. ; updated comments from DD; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | Borrower Identification Document provided.; Client provided I-XXX Notice of Action reflecting XXX - Application to replace Permanent Resident Card. LM Updated.; Copy of DL provided, missing unexpired Permanent Resident alien card and/or documentation that is not expired with copies of the front and back as required per guidelines. | 02/25/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409027008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/19/2025 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Provide corrected application that reflects the Borrower is a Permanent Resident Alien vs. a Citizen of the United States. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | The Final 1003 is Present; Client provided Corrected 1003 reflecting the Borrower as Permanent Resident Alien. LM Updated. | 02/25/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Flood Certification on the LE dated XXX. | ; ; Document Uploaded. ; ; | 01/13/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 01/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.33% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.33% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409032357 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409029278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/26/2025 | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing required third party letter or CPA prepared P&L to justify use of XXX% expense ratio | ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. ; Post Close Exception has been approved. a pricing hit of XXX applied to the transaction. ; | 01/12/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX months reserves, LTV 65%, XXX | 01/12/2026 | 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 64.86% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409029278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing property insurance for the following: XXX , XXX , XXX and XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/12/2026 | LOE showing no insurance carried on other properties. | 01/12/2026 | 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 64.86% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409034036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409032150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/30/2025 | Resolved | XXX | Credit | Missing Business Entity Formation Document |  | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/19/2026 | LLC documentation provided. | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2025 | Waived | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX | ; Document Uploaded. Exception for low DSCR approved. Approval form uploaded for review. Two comp factors include XXX FICO XXX reserves.; XXX FICO XXX reserves; XXX approved exception for DSCR  | 02/19/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX reserves.; XXX approved exception for DSCR  | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/30/2025 | Resolved | XXX | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Missing personal guaranty for XXX and XXX. | ; Document Uploaded. Seller requesting review to make sure doc acceptable before borrower(s) sign ; | 02/11/2026 | Personal Guaranty provided.; Client provided Person Guaranty Agreement for the Borrower. LM Updated. | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2025 | Resolved | XXX | Credit | Borrower information on 1003 is incomplete | 1003: Undisclosed properties not listed on 1003: LOX in file page XXX State borrowers manage and own XXX per fraud report that are not disclosed on the 1003. | ; ; ; Document Uploaded. ; | 02/17/2026 | Client provided updated 1003. LM updated. | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2025 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Missing recent Inquiry letter of explanation | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/17/2026 | Credit LOE provided. | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409025438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409034118 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409031669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Rescinded | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The Master Deed identifies the subject property as a Condo, the refinance includes XXX parcels, provide the following: - A revised appraisal on XXX from XXX Individual XXX Unit Appraisal Report - Include lot XXX and commenting on highest and best use including the lot as excess land. | ; ; | 01/30/2026 | It is acceptable to appraise a XXX site condo on the XXX Finding is rescinded. | 01/30/2026 | D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409031669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue The following items where found to be issues on the Title Commitment found in the file: - The legal description included in the title commitment Exhibit A is for Unit XXX which is a vacant lot, Unit XXX includes the improved property, legal descript for Unit XXX to be added - Loan with Future XXX Mortgage is identified as a HELOC requiring evidence the HELOC is closed. - The Master Deed identifies the subject property as a XXX, a copy of the Master Deed was provided, copies of all the deed amendments are required to review for restrictions affecting salability of the subject property. | ; Documentation received, XXX to review.; Document Uploaded. ; Condition updated; ; ; ; Documentation received, XXX to review.; Document Uploaded. Copy of check and overnight label to payoff HELOC.; | 01/30/2026 | Property Title Issue Resolved; Missing evidence that the HELOC was closed after payoff. ; Property Title Issue Resolved | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.62% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.62% is less than Guideline LTV of 80% \| 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%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409031669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The subject property transfers with XXX parcels Unit XXX and Unit XXX the legal description included on Exhibit A included the legal description of Unit XXX which is a vacant lot. Unit XXX is the lot that includes the XXX Condo. Legal description to be corrected to include both Units legal descriptions to properly secure the subject property. | ; ; Documentation received, XXX to review.; Document Uploaded. With correct legal; | 01/30/2026 | The Deed of Trust is Present and Complete; Received recorded Deed of Trust, Exhibit A includes Units XXX and XXX Exception Resolved.; The Deed of Trust is Incomplete | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.62% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.62% is less than Guideline LTV of 80% \| 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%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409031669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a XXX lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a XXX lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded v12 allows non-QM due to rate spread. Condition is for information only. | ; | 01/30/2026 | Information only. | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.62% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.62% is less than Guideline LTV of 80% \| 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%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409031669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Provide the following: - Borrower's XXX bank Statement from XXX account ending in XXX includes an overdraft, a letter of explanation or underwriter comments was not found in the file and is required. Guidelines States no occurrences in the most recent three months. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/22/2026 | Income and Employment Meet Guidelines | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.62% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.62% is less than Guideline LTV of 80% \| 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%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409031669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The preliminary title commitment Schedule A is not sufficient to cover the loan amount, provide final policy with minimum coverage of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/14/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Received Title commitment with coverage of XXX which matches the subject lien. Exception Resolved. | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.62% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.62% is less than Guideline LTV of 80% \| 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%<br> D<br> A<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409031669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is XXX Present. The following liabilities included on the 1003 do not match or were not found on the credit report dated XX/XX/XXXX: - XXX XXX payment XXX (payment reported as $XXX) - XXX XXX payment XXX If a gap report was used for final underwriting approval provide a copy | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Borrower 1 Credit Report is not XXX present.; Client provided Credit Report Comparison reflecting XXX and XXX accounts with the updated balances. Cleared. | 01/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.62% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.62% is less than Guideline LTV of 80% \| 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%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409031669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | A copy of a current Hazard Insurance Policy for XXX was not found and is required. | ; ; Document Uploaded. ; Documents uploaded for review.; Condition updated on XXX; Condition updated. Quote provided, need policy.; Document Uploaded. ; Documentation received, XXX to review.; Condition updated ; Document Uploaded. ; Documentation received, XXX to review.; Condition updated. ; Document Uploaded. ; Documentation received, XXX to review.; | 01/27/2026 | ; Client provided a copy of HOI for XXX. Cleared.; Client provided XXX Rate Quote dated XX/XX/XXXX. A copy of a current Hazard Insurance Policy for XXX was not found and is required.; Client provided XXX Rate Quote dated XX/XX/XXXX. A copy of a current Hazard Insurance Policy for XXX was not found and is required.; Client provided HOI Declaration for XXX. Please provide a copy of a current Hazard Insurance Policy for XXX the borrower's primary residence. ; Received evidence of insurance for REO at XXX. Provide proof of insurance for the primary residence at XXX. | 01/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.62% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.62% is less than Guideline LTV of 80% \| 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%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409031669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX | Property | Condo project is ineligible | The Master Deed indicates the subject property is a XXX. The loan was approved as a PUD. Provide the following: - All addendums to the Master Deed verifying deed restrictions - Evidence the property is no longer a XXX or revise the loan documents and verify the property meets all XXX guidelines | ; Document Uploaded. Please see page XXX of Title Commitment to satisfy this condition. ; | 01/22/2026 | Title documentation provided | 01/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.62% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.62% is less than Guideline LTV of 80% \| 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%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409033352 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Acknowledged | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX Audit calculation used XXX rents of XXX / PITIA XXX = DSCR XXX. Lender calculation is XXX / PITIA XXX = DSCR XXX. Lender notes reflects XXX months receipts of higher rents meet guidelines. Guidelines require the lower of in-place rent and market rent from XXX whichever is lower, resulting in a DSCR of XXX < DSCR of XXX. | ; ; Exception has been provided to allow the use of the higher of actual rents to be used in determining DSCR. This will bring DSCR within tolerance at XXX. Comp Factors: FICO XXX Evidence of rent receipt XXX months reserves XXX housing history; XXX to review for exception.; | 05/29/2026 | Waived per client to use higher amount for DSCR Calculations. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX Evidence of rent receipt XXX months reserves XXX housing history | 05/29/2026 | D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409033352 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 74.72% exceeds Guideline LTV of 70% Guidelines only allow for a 70% LTV on a cash out refinance with a XXX DSCR. Lender used a DSCR of XXX. Lender notes State the higher lease rental income was used for calculation due to XXX months receipts of higher rents. Guidelines require use of lower of in-place rent and market rent from XXX whichever is lower resulting in a DSCR that does not support >70% LTV. | ; DSCR to be updated based on exception (see other outstanding condition). DSCR will exceed XX/XX/XXXX and LTV will be within guideline tolerance. ; XXX to review for exception.; | 01/22/2026 | Audited LTV of 74.72% is less than or equal to Guideline LTV of 75% | 01/22/2026 | D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409033352 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Provide Photo Identification or Patriot Act Form verifying the borrower's identity as required per guidelines. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Photo Identification provided.; Client provided copy of the Borrower's Driver License. LM Updated. | 01/22/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409033352 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The final application and the XXX reflect an additional XXX in monthly insurance, Taxes, Association Dues. Provide documentation to support this amount. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Client provided evidence the XXX HOA amount on the 1008 and 1003 were in error. The XXX should have been XXX for HOA. The Client provided Redfin estimate reflecting XXX HOA for the property. Updated 1003 and XXX provided. LM Updated. | 01/20/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409034032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/09/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | ; Document Uploaded. ; Documentation received, XXX to review.; | 01/14/2026 | Evidence of eConsent is provided. | 01/14/2026 | 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<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409034032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/12/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/14/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/14/2026 | 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<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409033273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Acknowledged | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Interested Party Contribution of XXX represents XXX% of the XXX, which exceeds the XXX% maximum permitted per XXX XXX Expanded DSCR guidelines. XXX approved exception in file with compensating factors of XXX FICO, DSCR of XX/XX/XXXX and XXX mortgage history | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Interested Party Contribution of XXX represents XXX% of the XXX, which exceeds the XXX% maximum permitted per XXX XXX Expanded DSCR guidelines. XXX approved exception in file with compensating factors of XXX FICO, DSCR of XX/XX/XXXX and XXX mortgage history | 01/14/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: XXX FICO, DSCR of XX/XX/XXXX and XXX mortgage history. | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032761 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409034037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing business entity documentation as well as EIN Number. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; ; Documentation received, XXX to review.; Document Uploaded. EIN XXX; | 04/09/2026 | ; Provide Certificate of formation/Articles of Organization, Operatiing Agreement, and Certificate of Good Standing if the organization was formed greater than XXX months - documentation is required to meet program guidelines. | 04/09/2026 | 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 58.36% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409034037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Missing Personal Guaranty for all members that have XXX% or greater ownership. | ; Document Uploaded. Documentation received, XXX to review; Documentation received, XXX to review.; Document Uploaded. Personal Guaranty XXX.; | 04/06/2026 | Personal Guaranty provided. | 04/08/2026 | 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 58.36% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409034037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXX | Credit | Missing Verification of Rent | The subject is a short term rental. Missing proof of rents collected for the previous XXX months, and all vendor management fees. | ; New XXX, using XXX% of XXX rental estimate for STR ; | 02/13/2026 | Guidelines require a XXX or XXX Comparable Rent Schedule survey prepared by the appraiser reflecting similar short-term market rents. XXX reflecting short term rental information provided. | 02/13/2026 | 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 58.36% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409034037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. The Loss Rent Coverage does not meet the guideline minimum of XXX months. | ; XXX. The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. The Loss Rent Coverage does not meet the guideline minimum of XXX months. The policy covers $50K this is more than XXX months; | 02/10/2026 | Loss Rent Coverage is Sufficient | 02/10/2026 | 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 58.36% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 75%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409034037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The XXX is missing. | ; Documentation received in XXX review.; Document Uploaded. ; | 02/04/2026 | Approval/Underwriting Summary is fully present; Client provided Uniform Underwriting and Transmittal Summary for the Borrower. LM Updated. | 02/04/2026 | 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 58.36% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 75%<br> D<br> A<br> B | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409034037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXX | Credit | Third Party Fraud Report XXX Provided | Third Party Fraud Report XXX Provided Missing Lender Fraud report | ; Documentation received in XXX review.; Document Uploaded. ; | 02/04/2026 | Third Party Fraud Report is fully present; Client provided Third Party Fraud report for the Borrower. LM Updated. | 02/04/2026 | 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 58.36% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409034037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower's Business Entity, East XXX, LLC had a mortgage modification completed on XX/XX/XXXX on a promissory note dated XX/XX/XXXX in the amount of XXX | ; | 02/04/2026 | Delinquent Credit History Meets Guideline Requirements | 02/04/2026 | 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 58.36% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 75%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409034037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Borrower 1's credit report is missing. | ; Documentation received in XXX review.; Document Uploaded. ; | 02/04/2026 | Borrower 1 Credit Report is not missing.; Client provided Credit Report for the Borrower dated XX/XX/XXXX. LM Updated. | 02/04/2026 | 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 58.36% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409034278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409036699 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing source for XXX deposit on XX/XX/XXXX to XXX acct #XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/04/2026 | Asset Record XXX Meets G/L Requirements | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409036699 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | XXX | Credit | Missing Lease Agreement | XXX DSCR v13 Guidelines State: For refinance transactions, XXX must be leased at the time of closing and the borrower must provide evidence that the property has been leased. Month-to-Month leases are permitted but must be in place for at least two (XXX onths prior to origination. The lease is a month to month with a start date of XX/XX/XXXX and the initial 1003 is dated XX/XX/XXXX. | ; in escalation to DD - DD - please note lease for subject is one lease and the other three leases are not for subject property. Other leases provided were to show history of self-managing. Can you review? ; Condition updated XXX ; Documentation received, XXX to review.; Document Uploaded. ; | 02/04/2026 | Lease provided showing room rents no longer valid. ; Prior leases provided showing property (a SFR) was used as Room Leases, which is not permitted per guidelines. Leases provided do not have an end date and are month to month. Current lease provided dated XX/XX/XXXX showing no room or unit leased. Additional documentation required to show prior room leases are no longer valid. | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409036699 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing EIN number for vested entity. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/04/2026 | EIN documentation provided. | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409037305 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | XXX | Credit | Other Property Insurance Policy Missing | Missing proof of HOI for XXX XXX XXX XXX | ; Documentation received, XXX to review.; Document Uploaded. XXX XXX hoi; | 01/21/2026 | HOI documentation provided. | 01/21/2026 | 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 47.92% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.92% is less than Guideline CLTV of 65%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409035204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/19/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | A copy of the county tax bill for XXX BCR XXX and is required. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/27/2026 | Client provided Property Tax bill for XXX-XXX BCR XXX LM Updated. | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409035204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/19/2026 | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Guidelines refer to FNMA requirements regarding collection accounts, a collection is included on the borrower's credit report from XXXCRE in the amount of XXX FNMA requires non-medical collections that exceed XXX be paid off at closing. A copy of a judgement lien in the amount of XXX was found in the loan file, evidence of dismissal or payment was not found in the file and is required. | ; ; Sent seller's rebuttal to DD on XX/XX/XXXX. XXX for status update again today XX/XX/XXXX; | 01/27/2026 | Per FNMA, for one-unit XXX residence properties, borrowers are not required to pay off outstanding collections regardless of amount.; Delinquent Credit History Meets Guideline Requirements | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409038984 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | XXX | Credit | Missing final HUD-XXX from sale of non-subject property | Missing settlement Statement for the sale of XXX | ; Documentation received in XXX review.; Document Uploaded. sale of XXX | 01/29/2026 | Client provided Closing Statement and Adjustments for XXX XXX, Payoff Check and incoming wire reflecting XXX and $XXX. | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.77% is less than Guideline LTV of 80% \| 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 50.77% is less than Guideline CLTV of 80% \| 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.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409038984 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of PITIA for Rental property XXX | ; Documentation received in XXX review.; Document Uploaded. Please see enclosed XXX is not owned by our borrower ; | 01/29/2026 | Client provided LOE stating the Borrower is only a Trustee of XXX and Mortgage Statement reflecting XXX per month including Taxes and Insurance escrowed. Cleared. | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.77% is less than Guideline LTV of 80% \| 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 50.77% is less than Guideline CLTV of 80% \| 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.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409038984 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 n 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 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The XXX% tolerance violation in the amount of XXX is due to the increase of the recording fee to XXX on the CD dated XX/XX/XXXX. Since missing evidence of the receipt date for CD, the COC dated XX/XX/XXXX is not considered valid. Provide evidence of date CD received by Borrower. Additional testing will be completed. | ; Documentation received in XXX review.; Document Uploaded. SIGNED CD; | 01/28/2026 | Received receipt date for ICD - exception resolved; Received receipt date for ICD - exception resolved | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.77% is less than Guideline LTV of 80% \| 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 50.77% is less than Guideline CLTV of 80% \| 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.<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409038984 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | XXX | Compliance | 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:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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 XXXl. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE dated XX/XX/XXXX at least XXX days prior to closing. | ; Document Uploaded. signed LE; Documentation received in XXX review.; | 01/28/2026 | Received receipt date for LE - exception resolved; Received receipt date for LE - exception resolved | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.77% is less than Guideline LTV of 80% \| 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 50.77% is less than Guideline CLTV of 80% \| 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.<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409038984 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 a Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the transfer taxes from XXX to XXX on the CD dated XX/XX/XXXX. Since missing evidence of the receipt date for CD, the COC dated XX/XX/XXXX is not considered valid. Provide evidence of date CD received by Borrower. Additional testing will be completed. | ; Documentation received in XXX review.; Document Uploaded. SIGNED CD; | 01/28/2026 | Received receipt date for ICD - exception resolved; Received receipt date for ICD - exception resolved | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.77% is less than Guideline LTV of 80% \| 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 50.77% is less than Guideline CLTV of 80% \| 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.<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409034298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing EIN Documentation for XXX | ; ; Document Uploaded. ; ; Document Uploaded. ; | 02/12/2026 | Client provided IRS Department of the Treasury EIN assignment letter. LM Updated.; Franchise tax number provided. XXX guidelines require for EIN number to be provided. | 02/12/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032418 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/26/2026 | Acknowledged | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Lender exception approved for XXX NSF within last XXX months. Compensating factors: Low LTV, letter of explanation has been provided and overall XXX. | ; ; | 06/01/2026 | Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low LTV and letter of explanation has been provided and overall XXX.; Overdraft/NSF count exceeds tolerance. Lender exception approved for XXX NSF within last XXX months. Compensating factors: Low LTV, letter of explanation has been provided and overall XXX. | 06/01/2026 | 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.<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032418 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/26/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender provided a VVOE, and business XXX search for borrower's verification of self-employment. XXX Expanded v12 guidelines require existence of borrower's self-employment must be verified through a third-party source and no more than thirst XXX calendar days prior to the note date. Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrower's website is not acceptable third-party source. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/30/2026 | Income and Employment Meet Guidelines; Client provided VVOE dated XX/XX/XXXX. Verified through XXX XXX website and Verification of the Business license. LM Updated.; Income and Employment Do Not Meet Guidelines Lender provided a VVOE, and business XXX search for borrower's verification of self-employment. XXX Expanded v12 guidelines require existence of borrower's self-employment must be verified through a third-party source and no more than thirst XXX calendar days prior to the note date. Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrower's website is not acceptable third-party source. | 01/30/2026 | 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.<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409034275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/27/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of PITIA for secondary residence at XXX XXX | ; Document Uploaded. ; Documentation received, XXX to review.; Condition updated. ; Document Uploaded. ; Documentation received, XXX to review.; ; Condition updated.; ; ; ; Document Uploaded. ; Documentation received in XXX review.; Document Uploaded. ; Documentation received, XXX to review.; | 02/27/2026 | Client provided Credit Supplement for XXX Mortgages - Verified per conference call: XXX Last payment XX/XX/XXXX, Next Due XX/XX/XXXX Balance XXX Taxes Only Escrowed. P&I and Taxes XXX Insurance XXX and XXX HOA = $XXX. LM Updated.; Credit supplement provided, but does not break down payments. taxes for XXX as it is not documented in the file.; ; 1003, XXX credit report and HOI documentation uploaded. XXX taxes for XXX as it is not documented in the file. ; Client re-uploaded 1003, Credit Report, Consumer Inquiries letter and HOI for subject property. Missing proof of PITIA for secondary residence at XXX Highland Ave XXX, MA. | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.31% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.31% is less than Guideline CLTV of 75% \| 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409034275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/27/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries within XXX days of closing | ; Looks like a new account for XXX is open and on the credit report. See XXX #XXX opened XXX reporting. ; | 01/29/2026 | Credit inquiry for XXX account opened XX/XX/XXXX | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.31% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.31% is less than Guideline CLTV of 75% \| 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409034275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/29/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.31% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.31% is less than Guideline CLTV of 75% \| 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.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409032753 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Borrower is considered a XXX time XXX as per documentation in file, borrower has not owned XXX or more properties in the past XXX months, including on income producing property. Management intentions not in file, maximum LTV for XXX time XXX self-managing is XXX% | ; ; Documentation received, XXX to review.; Document Uploaded. Lease to evidence experienced XXX, also indicates management company (not self-managed). Borrower owns primary and several other investment properties. ; | 02/12/2026 | Acknowledged/Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO is greater than the guideline minimum and DSCR of XXX.; Lease provided for XXX Avalon Ave, however, missing management intentions for subject property. Guidelines State: Borrowers that intend to self-manage the property must meet at least one of the following requirements: Have three XXX years of experience managing income producing properties, Have a certification or proof of equivalent coursework in real eState property management. XXX Time XXX permitted with a XXX minimum FICO, max LTV is 70%, minimum XXX months reserves. Credit Report in file reflects the Borrower's Primary residence with XXX months XXX and XXX investment properties with XXX total months XXX (Only XXX to XXX months for each property). ; Audited LTV of 75% exceeds Guideline LTV of 70% Borrower is considered a XXX time XXX as per documentation in file, borrower has not owned XXX or more properties in the past XXX months, including on income producing property. Management intentions not in file, maximum LTV for XXX time XXX self-managing is XXX% | 02/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032753 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX | Credit | purchase Contract is Incomplete | Loan Purpose is purchase but purchase Contract Doc is Incomplete Contract is an Option to purchase not the final purchase agreement, also the contract on page XXX shows "contingent upon completed pictures and signed leases". There are no signed leases as the property is vacant, and there is no addendum releasing this contingency. | Loan Purpose is purchase but purchase Contract Doc is Incomplete Contract is an Option to purchase not the final purchase agreement, also the contract on page XXX shows "contingent upon completed pictures and signed leases". There are no signed leases as the property is vacant, and there is no addendum releasing this contingency. | 01/28/2026 | Contract States that initial terms must be initialed by both buyer and seller. Finding is resolved. ; purchase Contract Doc is complete.; Loan Purpose is purchase but purchase Contract Doc is Incomplete Contract is an Option to purchase not the final purchase agreement, also the contract on page XXX shows "contingent upon completed pictures and signed leases". There are no signed leases as the property is vacant, and there is no addendum releasing this contingency. | 02/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409031664 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | XXX | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a XXX lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($82,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a XXX lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Non QM originated. XXX Expanded v12 allows non-QM due to rate spread. Condition is for information only. | ; | 02/11/2026 |  | 02/11/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409031664 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | XXX | Credit | Missing Lender Income Calculation Worksheet | Missing required lender income calculation for bank Statement program | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/11/2026 | Client provided lender income calculation for B1 bank Statement program. LM Updated.; Client provided Income Calculation Worksheet. However, The income worksheet is reflecting Hourly income. Missing required lender income calculation for B1 bank Statement program. | 02/11/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409031664 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender third party fraud report was not provided | ; Document Uploaded. ; Documentation received, XXX to review.; | 01/30/2026 | Third Party Fraud Report is provided; Client provided Third Party Fraud Report for the Borrower. LM Updated.; Missing Third Party Fraud Report Lender third party fraud report was not provided | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409031664 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within XXX business days of application XX/XX/XXXX that confirms the lender has affiliates. | ; Documentation received, XXX to review.; Document Uploaded. Affiliation ; | 01/29/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409031664 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | XXX | Compliance | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided. Cure- Provide XXX XXX(a)(XXX) Notice for Home Equity Disclosure signed and dated XXX days prior to consummation date XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/29/2026 | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is Provided or XXX. | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409033521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409039026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | Waived | XXX | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Per XXX DSCR v13 guidelines, Guarantor: all loans are required to have a full recourse personal guaranty by all material owners. XXX Stein signed the note as individual for a business entity and not as an individual. | ; Please waive for grade B- comp factors, 70% LTV, XXX Score, DSCR of XXX; ; In escalation with XXX Credit Team. ; Documentation received, XXX to review.; Document Uploaded. | 03/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 70% LTV, XXX Score, DSCR of XXX; XXX to review rebuttal from XXX. Rebuttal States within guidelines. ; Missing Personal Guaranty. Per XXX DSCR v13 guidelines, Guarantor: all loans are required to have a full recourse personal guaranty by all material owners. XXX Stein signed the note as individual for a business entity and not as an individual. | 03/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040361 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/03/2026 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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). | ; Documentation received, XXX to review.; Document Uploaded. ; XXX Requested testing figures from DD.; | 02/12/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; TILA 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 TRUST REVIEW FEE. The Trust review fee was added on initial CD dated XX/XX/XXXX. The COC provided in file dated XX/XX/XXXX does not provide justification or reason why the fee was added. Please provide a valid COC or cure package. | 02/12/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.76% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.76% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409037262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040364 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing There is no Final 1003 in file. | ; ; Documentation and comment received, XXX to review.; Document Uploaded. per XXX guidelines, a Final 1003 is XXX to DSCR loans; | 02/13/2026 | Client States: Please note that as per FMHL's guidelines, a Final 1003 is XXX for DSCR loans. The initial application would be sufficient. LM Updated.; The Final 1003 is Present; The Final 1003 is Missing There is no Final 1003 in file. | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040364 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage XXX DSCR v13 GLs require XXX months rent loss coverage. The hazard insurance binder provided in file is a commercial policy and reflects "business income" coverage but does not specify amount or that this coverage can apply to loss of rents. | ; ; ; Escalated. Loss of income is rent loss; | 02/13/2026 | Policy identifies XXX limit. Finding is resolved. ; Rent Loss Coverage Present; XXX guidelines require for minimum of XXX months coverage. Current binder does not reflect the coverage. ; Missing rent loss insurance coverage XXX DSCR v13 GLs require XXX months rent loss coverage. The hazard insurance binder provided in file is a commercial policy and reflects "business income" coverage but does not specify amount or that this coverage can apply to loss of rents. | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409035405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/11/2026 | Borrower 1 Credit Report is not missing.; Client provided Credit Report for the Borrower dated XX/XX/XXXX. LM Updated. | 02/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032957 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | Potential Fraud Reflected on Fraud Report | XXX fraud report shows that the Vendor's Lien XXX for the subject property was recorded with the county on XX/XX/XXXX for XXX purchase contract in file is for XXX Potential Fraud Reflected on Fraud Report | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; per title and appraisal there had been no conveyances in the XXX months prior to this purchase. Our purchase contract was accepted on XX/XX/XXXX for purchase price of $XXX and we funded on XX/XX/XXXX. It appears that this information on the recording is erroneous.; per title and appraisal there had been no conveyances in the XXX months prior to this purchase. Our purchase contract was accepted on XX/XX/XXXX for purchase price of $XXX and we funded on XX/XX/XXXX. It appears that this information on the recording is erroneous.; Can you please provide more information on where you guys are seeing XXX from the county's recording? I can't find it in the county's site or recording of the DOT.; ; | 03/12/2026 | Potential Fraud Reflected on Fraud Report is Resolved or None Exists; Warranty deed provided showing transfer and mortgage recorded. ; Recorded mortgage provided. Copy of recorded vendor's lien showing price required.; Recorded mortgage provided. Copy of recorded vendor's lien showing price required. ; Please provide documentation showing correct recording of sale price with county in order to clearing finding. ; ; ; Potential Fraud Reflected on Fraud Report XXX fraud report shows that the Vendor's Lien XXX for the subject property was recorded with the county on XX/XX/XXXX for XXX purchase contract in file is for XXX ; Potential Fraud Reflected on Fraud Report is Resolved or None Exists; Potential Fraud Reflected on Fraud Report XXX fraud report shows that the Vendor's Lien XXX for the subject property was recorded with the county on XX/XX/XXXX for XXX purchase contract in file is for XXX | 03/12/2026 | 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 44.12% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.12% is less than Guideline LTV of 80%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032957 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Waived | XXX | Credit | purchase is not considered to be an Arm's Length Transaction | purchase is not considered to be an Arm's Length Transaction Per purchase contract, buyer and buyers agent are related. Non-Arm's length transactions are not permitted per XXX DSCR guidelines. | purchase is not considered to be an Arm's Length Transaction Per purchase contract, buyer and buyers agent are related. Non-Arm's length transactions are not permitted per XXX DSCR guidelines. | 02/10/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO and LTV. ; ; ; purchase is not considered to be an Arm's Length Transaction Per purchase contract, buyer and buyers agent are related. Non-Arm's length transactions are not permitted per XXX DSCR guidelines. | 02/13/2026 | 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 44.12% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.12% is less than Guideline LTV of 80%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409037191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | purchase Contract is Incomplete | Loan Purpose is purchase but purchase Contract Doc is Incomplete Contract of Sale Addendum reducing XXX from XXX to XXX is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/18/2026 | purchase Contract Doc is complete.; Client provided XXX XXX Closing Instructions reflecting Final XXX of XXX LM Updated. | 02/18/2026 | 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<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 409037667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Waived | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing rent loss insurance coverage | ; Please waive for B grade. XXX exception in file. Comp factors: FICO XXX / LTV XXX / Perfect pay history / Experienced landlord; | 03/25/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / LTV XXX / Perfect pay history / Experienced landlord | 03/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.31% is less than Guideline LTV of 70% \| 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 50.31% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409037667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose Affidavit/Disclosure. LM Updated. | 03/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.31% is less than Guideline LTV of 70% \| 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 50.31% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409038460 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/09/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; ; ; Document Uploaded. Please see XXX XXX dated XXX XXX, XXX Per Seller: We uploaded the XXX e-XXXl from our borrower to our branch, showing that he received the appraisal and had it in procession since XX/XX/XXXX. The borrower actually e-XXXled the appraisal to our branch on that day. This is well before the XX/XX/XXXX closing date.; ; ; ; ; Please see XXX provided by Seller confirming appraisal was sent to Borrower.; ; Document Uploaded. ; Documentation received, XXX to review.; updated ; ; Document Uploaded. ; Documentation received, XXX to review.; | 03/23/2026 | Evidence of appraisal delivery provided.; The borrower is still required to receive a copy of the appraisal at or prior to consummation. The documentation provided shows the borrower was provided a copy of the appraisal after consummation which does not meet the requirements under XXX(a)(XXX); Documentation provided confirmed the borrower waived their right to receive the appraisal at least XXX days prior to consummation, however they are still required to receive a copy at or prior to consummation. The documentation provided shows the borrower was provided a copy of the appraisal after consummation. ; Documentation provided confirmed the borrower waived their right to receive the appraisal at least XXX days prior to consummation, however they are still required to receive a copy at or prior to consummation. Provide documentation to show the borrower received the appraisal timely. | 03/23/2026 | 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 77.84% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.84% is less than Guideline LTV of 90%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409038460 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Please provide an update commitment or a Final Policy with the correct loan amount. Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Please provide an update commitment or a Final Policy with the correct loan amount. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/18/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Client provided updated Commitment for Title reflecting XXX Policy amount. LM Updated. | 02/18/2026 | 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 77.84% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.84% is less than Guideline LTV of 90%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409039721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Provide executed Business Purpose Affidavit. Business Purpose Affidavit/Disclosure Missing | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; Condition updated.; Document Uploaded. ; Documentation received, XXX to review.; | 04/22/2026 | Business Purpose Affidavit/Disclosure Provided; Lender provided the signed business purpose affidavit. ; Business Purpose Affidavit/Disclosure Provided; Statement received stating "XXX XXX does not have any affiliated business" Missing Business purpose affidavit signed by borrower at closing.; Statement received stating "XXX XXX does not have any affiliated business" Missing Business purpose affidavit signed by borrower at closing. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409039721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide evidence of taxes, hazard insurance and HOA fees if applicable for the primary residence. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; Condition updated.; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | Lender provided evidence of the tax, insurance, and no HOA on the borrower's primary residence. Condition cleared. ; Insurance provided, missing evidence of taxes for primary residence. - No additional documents or comments updated. XXX to review. ; Insurance provided, missing evidence of taxes for primary residence. - No additional documents or comments updated. XXX to review. ; Insurance provided, missing evidence of taxes for primary residence. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409039721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | Borrower 2 Deed of Trust Signature does not match Note | Borrower 2 Signature does not match Note Provide DOT executed by B2. | clear; Documentation received, XXX to review.; Document Uploaded. ; | 03/12/2026 | Borrower 2 Signature matches Note; Client provided XXX letter stating: There are currently no other members of the Company. The Company is member managed. The Operating agreement States "All actions taken and decisions made must be made by majority vote based on the number of XXX." You have indicated that a layered entity is acceptable to your XXX. One of the members of the Company is the XXX XXX dated XXX XXX The settlers of the Trust are XXX and XXX. The Trustee of the trust is XXX XXX. The trust is an irrevocable trust created under XXX law. The Trustees have the authority to borrow and mortgage property. The primary beneficiaries of the Trust are the settlor's children. LM Updated. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409039721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX reflects DSCR calc is XXX / $XXX. Audit calculation is XXX / XXX = DSCR XXX which is less than the guideline minimum requirement of XXX Lender used P&I payment for qualifying vs XXX one note amortized over XXX years as required per guidelines. | ; ; No exception needed, per guidelines for XXX DSCR, the ITIA payment is used t calculated the DSCR not the PITIA PITIA includes XXX & interest, taxes, insurance, and HOA; for Interest-Only loans, the calculation uses ITIA instead (i., interest + taxes + insurance + HOA); ; Documentation received in XXX review.; ; ; | 03/09/2026 | Qualifying DSCR meets Guidelines; Qualifying DSCR meets Guidelines; Qualifying DSCR of XXX is less than guideline minimum requirement of XXX reflects DSCR calc is XXX / $XXX. Audit calculation is XXX / XXX = DSCR XXX which is less than the guideline minimum requirement of XXX Lender used P&I payment for qualifying vs XXX one note amortized over XXX years as required per guidelines.; | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409037643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Provide credit report from the XXX national credit repositories. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | Received origination credit report. Exception Resolved. | 02/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 409037643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Provide executed Business Purpose Affidavit. Business Purpose Affidavit/Disclosure Missing | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | Business Purpose Affidavit/Disclosure Provided. Exception Resolved.; Business Purpose Affidavit/Disclosure Missing | 02/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 409037643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXX | Property | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete Provide a condo questionnaire on form FNMA XXX or FHLMC full form as required per guidelines. | ; ; Document Uploaded. Condition in review ; Condo questionnaire docs start on page XXX of the closing package and end on page XXX Could you please clarify if something else is needed?; | 02/25/2026 | HOA Questionnaire Provided; Received the HOA Condo Questionnaire. DSCR guidelines require all condo questionnaires must be on either a FNMA XXX form or FHLMC Full form. The HOA condo questionnaire provided is not on either of these forms. | 02/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 409037643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide XXX months recent mortgage history with no more than XXX for the subject, primary residence and REO's at XXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document for all requested properties provided. Exception Resolved. | 02/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 409037643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Provide EIN/Business Entity Formation Document. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/20/2026 | Received EIN/Business formation documentation. Exception Resolved. | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 409037643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Only the HO-6 Insurance Policy was provided. Provide evidence of the Master Insurance Policy for the condo. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/20/2026 | HO-6 Master Insurance Policy is fully present | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 409037643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXX | Credit | Missing Lease Agreement | The appraisal reflects the subject property is tenant occupied and has a lease. Provide a copy of the executed Lease agreement. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/20/2026 | Received executed Lease agreement. Exception Resolved. | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 409034041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/11/2026 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the loan discount fee on the PCCD XX/XX/XXXX. The fee increased after closing so a COC would not clear the exception. | ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; updated ; Document Uploaded. ; Documentation received, XXX to review.; Condition updated.; ; Document Uploaded. ; Documentation received, XXX to review.; ; | 04/06/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package is missing proof of delivery, will downgrade upon receipt; Cure package is missing a copy of the check and proof of delivery, will downgrade upon receipt of those items; Cure package is missing a copy of the check and proof of delivery, will downgrade upon receipt of those items; The increase was not disclosed to the borrower until after consummation. PCCDs will not be permitted to rebaseline fee tolerance amounts despite occurrence of a valid changed circumstance (see example in Comment XXX(f)(XXX)(iii)-XXX(ii)). Cure required | 04/06/2026 | Borrower has stable job time<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409034041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/10/2026 | Resolved | XXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may laXXXully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Exception was not downgraded. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/06/2026 | Appraisal delivery provided; HPML compliant | 04/06/2026 | Borrower has stable job time<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409034041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/10/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows; however appraisal requirements not met. | ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; | 04/06/2026 | Appraisal delivery provided; HPML compliant | 04/06/2026 | Borrower has stable job time<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409034041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/11/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Borrower purchased subject property on XX/XX/XXXX. Seasoning requirement was not met for ownership | ; ; ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; ; ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. ; Documentation received, XXX to review.; | 03/28/2026 | Property Title Issue Resolved; Reviewed with XXX. The vesting has changed from trust to individual, but the mortgage has been with the borrower the entire time, which meets guideline requirements. Finding is resolved. ; Property Title Issue Resolved; Copy of CD from purchase and contract was provided. Borrower purchased property on XX/XX/XXXX and placed in a Trust. Per XXX XXX guidelines, as well as FNMA, a minimum of XXX months seasoning requirement must be met. At the time of closing (XX/XX/XXXX), there was XXX months seasoning.; ; Trust transferring property to borrower on XX/XX/XXXX was XXX XXX, as Successor Trustee of the XXX Trust Dated April XXX per title report. No documentation provided showing borrower is part of this trust. This is less then XXX months prior to closing. XXX months continuity of obligation was not met. ; Client provided Supplement X verifying XXX Mortgage account, verified per conference call with XXX; last paid XX/XX/XXXX; next due XX/XX/XXXX, No Lates. However, Property Title Issue Borrower purchased subject property on XX/XX/XXXX. Seasoning requirement was not met for ownership. | 03/28/2026 | Borrower has stable job time<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409034041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/11/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing verification of mortgage from XXX. Borrower purchased subject property in XX/XX/XXXX. Verification of at least one payment made on prior loan used to obtain subject property would be needed to ensure loan was not a XXX payment default. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/04/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client provided VOM for the subject property from XX/XX/XXXX dated XX/XX/XXXX. LM Updated. | 03/04/2026 | Borrower has stable job time<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409034041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/10/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/16/2026 | Evidence of Appraisal Delivery to the Borrower Provided. | 02/16/2026 | Borrower has stable job time<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409034041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/10/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/16/2026 | Evidence of appraisal delivery provided. | 02/16/2026 | Borrower has stable job time<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409040607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Required assets are XXX + XXX months Reserves x XXX = XXX = XXX the borrowers are short closing costs and reserves. Statement for XXX #XXX shows the borrower had XXX in the account on XX/XX/XXXX. Online printout shows two pending wires income on XX/XX/XXXX for XXX and XXX however wires are unsourced. | ; Document Uploaded. Escrow Agreement and Receipt showing proof of EMD in the amount of XXX has been uploaded to the lender portal. This shows proof that the funds should be included in the cash to close figure. ; Documentation and comment received, XXX to review.; ; ; there are two HELOC Statements XXX. One has an XXX of XXX and the other shows XXX of XXX for a total of XXX when added to the DDA balance. they were both uploaded on XX/XX/XXXX; Documentation and comment received, XXX to review.; ; ; Document Uploaded. updated HELOC Statements showing XXX from HELOC accounts, one from each guarantor; Documentation received, XXX to review.; ; Document Uploaded. The wires were from the HELOC. XXX months of HELOC Statements XXX.; Documentation and comment received, XXX to review.; | 04/21/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.; Client provided XXX HELOC Statement for account #XXX reflecting XXX on XX/XX/XXXX. LM Updated. However, Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Required assets are XXX + XXX months Reserves x XXX = XXX = XXX ; Client provided XXX HELOC Statement for account #XXX reflecting XXX on XX/XX/XXXX. LM Updated. However, Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Required assets are XXX + XXX months Reserves x XXX = XXX = XXX ; Client provided XXX HELOC Statement reflecting XXX on XX/XX/XXXX. LM Updated. Missing evidence of XXX Source.; HELOC Statements provided. Documentation showing funds came from HELOCs required-HELOC Statements do not show withdrawals. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; ; ; DD Please waive for B Grade. Discussed with XXX team on previous loans and fine if under XXX% Comp Factors: Experienced XXX, DSCR: XXX FICO: XXX; | 04/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose:: XXX FICO: XXX | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Required assets are XXX + XXX months Reserves x XXX = XXX = XXX the borrowers are short closing costs and reserves. Statement for XXX #XXX shows the borrower had XXX in the account on XX/XX/XXXX. Online printout shows two pending wires income on XX/XX/XXXX for XXX and XXX however wires are unsourced. | ; Document Uploaded. Escrow Agreement and Receipt showing proof of EMD in the amount of XXX has been uploaded to the lender portal. This shows proof that the funds should be included in the cash to close figure. ; Documentation and comment received, XXX to review.; ; ; ; Documentation received, XXX to review.; there are two HELOC Statements XXX. One has an XXX of XXX and the other shows XXX of XXX for a total of XXX when added to the DDA balance.; ; Document Uploaded. updated HELOC Statements showing XXX from HELOC accounts, one from each guarantor; Documentation received, XXX to review.; ; Document Uploaded. The wires were from the HELOC. XXX months of HELOC Statements XXX. ; Documentation and comment received, XXX to review.; | 04/21/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s); Client provided XXX HELOC Statement for account #XXX reflecting XXX on XX/XX/XXXX. However, Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Required assets are XXX + XXX months Reserves x XXX = XXX = $XXX; Client provided XXX HELOC Statement for account #XXX reflecting XXX on XX/XX/XXXX. LM Updated.; Client provided XXX HELOC Statement reflecting XXX on XX/XX/XXXX. LM Updated. Missing evidence of XXX Source.; HELOC Statements provided. Documentation showing funds came from HELOCs required-HELOC Statements do not show withdrawals. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXX | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Required assets are XXX + XXX months Reserves x XXX = XXX = XXX the borrowers are short closing costs and reserves. Statement for XXX #XXX shows the borrower had XXX in the account on XX/XX/XXXX. Online printout shows two pending wires income on XX/XX/XXXX for XXX and XXX however wires are unsourced. | ; Document Uploaded. 2nd HELOC Statement updated to show additional XXX from the 2nd guarantor. The total of the two XXX is XXX plus the XX/XX/XXXX in the DDA equal $XXX. ; Documentation and comment received, XXX to review.; ; Document Uploaded. XXX are two HELOC Statements showing the two XXX from the HELOC, one from each guarantors' HELOC; Documentation received, XXX to review.; ; Document Uploaded. The wires were from the HELOC. XXX months of HELOC Statements XXX.; Documentation and comment received, XXX to review.; | 03/17/2026 | Funds are found to meet guidelines.; Client provided XXX HELOC Statement for account #XXX reflecting XXX on XX/XX/XXXX. LM Updated.; Client provided XXX HELOC Statement reflecting XXX on XX/XX/XXXX. LM Updated. Missing evidence of XXX Source. ; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines.; Client provided XXX HELOC Statement reflecting XXX on XX/XX/XXXX. LM Updated. Missing evidence of XXX Source. ; ; HELOC Statements provided. Documentation showing funds came from HELOCs required-HELOC Statements do not show withdrawals. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing operating agreement and articles of organization for entity. | ; Documentation received, XXX to review.; Document Uploaded. operating agreement, articles and certificate of good standing XXX. ; | 02/23/2026 | Articles of Organization and Operating agreement received. | 02/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409038277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Rescinded | XXX | Compliance | 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 Points - Loan Discount Fee on the Initial CD dated XX/XX/XXXX. File does contain a COC (pg XXX) however the COC does not give the date of change or an explanation of the change. 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 n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; Documentation received, XXX to review.; Document Uploaded. ; Documentation received, XXX to review.; ; | 03/14/2026 | Valid COC in original loan file - exception rescinded; In order to test accurately, please confirm the date the borrower requested the rate to be lowered. The response includes the reason, but does not include the change date; In order to test accurately, please confirm the date the borrower requested the rate to be lowered. The response includes the reason, but does not include the change date | 03/14/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409038277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program v12 | ; Documentation received, XXX to review.; Document Uploaded. ; Condition updated XXX ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/23/2026 | Business narrative received. ; Affiliated business disclosure uploaded, but is not the same as the Business Narrative. | 02/23/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409038277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | XXX | Credit | purchase Contract is Missing | Loan Purpose is purchase but purchase Contract Doc is Missing |  | 02/13/2026 | purchase Contract Doc is not Missing, or is XXX. | 02/13/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040325 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Resolved | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Fees included in calculation: XXX Doc prep, XXX Origination Fee, XXX Underwriting fee. Cure requires XXX Cure package includes PCCD, LOE, copy of check and proof of delivery | ; Please see Seller comment below; This is a QM test that we do not follow on NonQM files; Documentation received, XXX to review.; Document Uploaded. Loan is Non-QM - Compliance Ease passed. XXX loan amount is XXX - Cond States loan amount XXX ? Please review and advise. ; ; | 03/10/2026 | Loan is not considered high cost and per TM; This loan was underwritten to the XXX's guidelines, and they do not have a XXX% cap on P&F fails. For this trade, XXX will accept loans with QM P&F fails.; The lenders compliance provided also shows a fail for the QM points and fees. The amount listed which is called "total loan amount" has a specific definition which is why it differs from the loan amount: Under Regulation Z, the "total loan amount" for Qualified Mortgage (QM) purposes is defined as the XXX amount of the loan (or the total line of credit for open-end loans) minus points and fees that are financed into that amount. | 03/10/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409040320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Rescinded | XXX | Compliance | Late Charge Percent is greater than XXX% | Late Charge Percent is greater than XXX% Per note the larte charge is XXX% unless applicable law requires a lesser amount, in which event such lesser amount shall be substituted. | ; ; ; There is language in the note that reads "unless applicable law requires a longer period of time before a late charge can be imposed, in which event such longer period shall be substituted." There is similar language for the late charge percentage.; ; | 03/12/2026 | Note contains verbiage "unless applicable law required lower amount/ longer period" | 03/12/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Rescinded | XXX | Compliance | Late Charge Grace Period is less than XXX days | Late Charge Grace Period is less than XXX days Per note the grace period is XXX days unless applicable law requires a longer period of time, in which event such longer period shall be substituted. | ; ; There is language in the note that reads "unless applicable law requires a longer period of time before a late charge can be imposed, in which event such longer period shall be substituted." There is similar language for the late charge percentage.; ; | 03/12/2026 | Note contains verbiage "unless applicable law required lower amount/ longer period" | 03/12/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Rescinded | XXX | Credit | Missing letter of explanation | The subject property is vacant at the time of appraisal. The lender guideline States that the borrower should provide the cause of vacancy (Letter of Explanation) for refinance transactions, such as recently completed XXX, tenant turnover, etc. | ; ; | 02/26/2026 | Not required per XXX guidelines for this loan program. Finding is rescinded. ; ; | 03/11/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The borrower needs to bring XXX to closing. Life insurance policy with cash surrender value of XXX was listed for funds to close/reserves. Additional assets were listed, however were not verified. The lender guidelines allows net proceeds from the surrender of a life insurance policy or from a loan against the cash value for down payment, closing costs, and reserves. The guidelines requires receipt of funds from the insurance company, a copy of the check from the insurer or copy of the payout Statement issued by the insurer must be obtained. Loan file does not contain evidence of recipe from the insurance company. | ; ; ; ; The guides State Net proceeds from the surrender of a life insurance policy or from a loan against the cash value are acceptable for down payment, closing costs, and reserves. The policy in the file lists the amount for net cash surrender. The "or" in the guidelines indicate they don't have to take a loan if the cash amount is listed. ; ; ; | 03/11/2026 | Asset Qualification Meets Guideline Requirements; The asset qualification requirements for the use of life insurance meets XXX's guidelines. They used the amount of the net proceeds value not the loan and therefore did not need to document receipt of the funds. Receipt of funds only need to be documented when there is a loan. Finding is resolved. ; Updating status to open. ; Updating status of condition to open. ; The borrower needs to bring XXX to closing. Life insurance policy with cash surrender value of XXX was listed for funds to close/reserves. Additional assets were listed, however were not verified. The lender guidelines allows net proceeds from the surrender of a life insurance policy or from a loan against the cash value for down payment, closing costs, and reserves. The guidelines requires receipt of funds from the insurance company, a copy of the check from the insurer or copy of the payout Statement issued by the insurer must be obtained. Loan file does not contain evidence of receipt from the insurance company. | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Rescinded | XXX | Credit | Loan does not conform to program guidelines | The loan closed in the name of an LLC. Per XXX DSCR v13 guidelines, prepayment penalties are not allowed in XXX unless the loan closed in the name of an S-Corp or C-Corp. | ; ; Per our research, a loan can close in the name of an LLC and have a prepayment in XXX. Please review.; ; | 03/02/2026 | Prepayment penalty meets XXX laws. ; XXX to review. Loan closed in the name of an LLC, XXX XXX guidelines indicate "Allowed only for loans closed with a borrower structured as a C Corporation or S Corporation only." ; Per XXX DSCR v13 guidelines, prepayment penalties are not allowed in XXX unless the loan closed in the name of an S-Corp or C-Corp. | 03/02/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/05/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 03/05/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409037934 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040882 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX Lender used short term rents to qualify. Per guidelines, Appraisal report must include similar short-term rentals for market rent comparison. XXX reports rent of XXX while short term rents used by lender are $XXX. | ; Please review FMHL Variance Document: Lease Requirements " Refinance Transactions • Required documentation: o FNMA form 1007 or XXX reflecting long term market rents, and lease agreement if property is leased. o A vacant or unleased property is allowed without LTV restriction. o Monthly Gross Rents are determined by the higher of actual lease amount or market rent from XX/XX/XXXX. o If using a higher monthly actual lease amount, evidence of XXX-months of receipt is required. Underwriter discretion and/or additional review is required if the actual rent exceeds the market rent by more than XXX% o If using a higher estimated market rent from XXX/ XXX it must be within XXX% of the lease amount. If the estimated market rent exceeds the lease amount by more than XXX% the estimated market rent is capped at XXX%."; | 02/19/2026 | Qualifying DSCR meets Guidelines | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040882 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Incomplete Interest only term blank on note. Note is an IO note and approved as IO per the loan approval | ; Documentation received, XXX to review.; Document Uploaded. enclosed please find the correct note that you will receive ; | 02/23/2026 | The Note is Present; Client provided Corrected Interest-Only Fixed Rate Note. LM Updated. | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040882 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the housing history for all financed properties owned. |  | 02/17/2026 | Housing History Meets Guideline Requirements; Confirmed the properties in question are held in the name of the LLC and are not required to provide a pay history. Finding is resolved. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040882 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | Loan does not conform to program guidelines | Provided for information only: FMHL approved a guideline exception to exposure over XXX loans/ $XXX. FM approved exception in file with compensating factors of FICO XXX points or more above requirement, Total Debt XXX% or more under requirement, DSCR XX/XX/XXXX or greater. | Provided for information only: FMHL approved a guideline exception to exposure over XXX loans/ $XXX. FM approved exception in file with compensating factors of FICO XXX points or more above requirement, Total Debt XXX% or more under requirement, DSCR XX/XX/XXXX or greater. | 02/17/2026 | Information only. | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040887 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Interest only term blank on note. Note is an IO note and approved as IO per the loan approval | ; ; Document Uploaded. Uploaded docs to send to DD to review.; ; ; note was signed by borrower... what other evidence would we be able to show... it was not sent via XXX as the settlement agent met the borrower to execute ; ; Documentation received, XXX to review.; Document Uploaded. enclosed please find the correct note (correct page #XXX) and the correct XXX payment letter... please advise if you need us to send page #XXX of the note via XXX ; | 03/27/2026 | The Note is Present; There is a discrepancy in pages. Page one at the bottom right hand corner is dated XX/XX/XXXX, page XXX & XXX are dated XX/XX/XXXX. XXX payment letter was not signed by the borrower. There is no confirmation that the new page XXX was received by the borrower. ; Corrected note received, Evidence note sent to borrower with change of terms required. | 03/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040887 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the housing history for all financed properties owned | ; All of borrowers REOs are in an LLC and for DSCR should not have to provide the histories; per FM guidelines, This is not required on DSCR loans. Only Primary, Subject or properties used for rental experience are needed to verify. ; ; DD to reopen finding. Per FraudGuard in file following properties owned by borrower and primary residence. VOR, VOM or Evidence free and clear would be needed as requested by DD. XXX Crown St XXX Y,XXX; XXX N XXX DRIVE POMPANO BEACH, FL, XXX; XXX N XXX DRIVE POMPANO BEACH, FL, XXX; XXX N XXX DRIVE POMPANO BEACH, FL, XXX; XXX N XXX DRIVE POMPANO BEACH, FL, XXX; please advise what you are requesting ; | 03/24/2026 | Housing History Meets Guideline Requirements; ; Mortgage history required to be verified and reconciled. per XXX guidelines. | 03/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040887 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | Loan does not conform to program guidelines | Provided for information only: FMHL approved a guideline exception to exposure over XXX loans/ $XXX. FM approved exception in file with compensating factors of FICO XXX points or more above requirement, Total Debt XXX% or more under requirement, DSCR XX/XX/XXXX or greater. | Provided for information only: FMHL approved a guideline exception to exposure over XXX loans/ $XXX. FM approved exception in file with compensating factors of FICO XXX points or more above requirement, Total Debt XXX% or more under requirement, DSCR XX/XX/XXXX or greater. | 02/17/2026 | Information only. | 02/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409038926 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Note and Deed of Trust discloses borrower's middle name as XXX. Borrower's middle name per driver license and Final 1003 is XXX. Provide updated Note and Deed of Trust showing the correct middle name. | ; Documentation received, XXX to review.; Document Uploaded. resigned docs; ; ; ; ; | 04/08/2026 | Borrower 1 Signature matches Note; Client provided Updated Documents reflecting the Borrower middle name spelling corrected. LM Updated. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | XXX | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a XXX lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($82,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a XXX lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded v12 allows non-QM due to rate spread. Condition is for information only. | ; | 03/02/2026 | Information only. | 03/02/2026 | 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%<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409040537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program v12 | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/02/2026 | Client provided Business Narrative for XXX. LM Updated. | 03/02/2026 | 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%<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409040537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing the Lender's Fraud Report. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/26/2026 | Third Party Fraud Report is provided; Client provided Third Party Fraud Report. LM Updated. | 02/26/2026 | 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%<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409040295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2026 | Resolved | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | ; ; ; | 02/25/2026 | Loan is not considered high cost and per TM; This loan was underwritten to the XXX's guidelines, and they do not have a XXX% cap on P&F fails. For this trade, XXX will accept loans with QM P&F fails. ; Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) $XXX; Points - Loan Discount Fee $XXX. and Underwriting Fee XXX If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation | 03/09/2026 | 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<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409040296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX months of business bank Statements for XXX #XXX | ; Two months of Statements were provided in order to grant XXX% deposits into the personal account. three months are not needed; XX/XX/XXXX guidelines require XXX mo business bank Statements in order to consider XXX% deposits from personal account.; ; ; ; | 03/06/2026 | Income and Employment Meet Guidelines; Client States: Two months of Statements were provided in order to grant XXX% deposits into the personal account. three months are not needed. Verified. LM Updated. | 03/06/2026 | 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<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409040296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Resolved | XXX | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing Missing the initial 1003 application. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; ; | 03/05/2026 | The Initial 1003 is Present; Client provided Initial 1003 executed XX/XX/XXXX. LM Updated. | 03/05/2026 | 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<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409040203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required Business Narrative for XXX XXX Expanded Bank Statement program v12 | ; DD to waive for B Grade. Discussed with XXX Team on other loans and fine to proceed with seller not requiring. Comp Factors: XXX FICO; XXX% DTI; XXX mos PITIA reserves; XXX per montXXXth Residual Income.; XXX is buying to NDM's Guideline which do not require the Business narrative, please clear; | 02/25/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX% DTI; XXX mos PITIA reserves; XXX per montXXXth Residual Income. | 02/25/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Inquiries within XXX days of closing were not addressed | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/23/2026 | Client provided LOE for XXX day inquiries dated XX/XX/XXXX. LM Updated. | 02/23/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039790 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Waived | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification of housing payment history for primary residence and XXX "XXX". Final 1003 reflects primary residence has a monthly mortgage payment of XXX and screen shot provided for XXX on rental property XXX" was provided. XXX DSCR v13 guidelines require housing history reflect XXX. | ; Please waive for Grade B- comp factors XXX% DSCR, 70% LTV, XXX Score. Property is owned by LLC- not borrower as an individual.; ; ; ; ; ; ; Document Uploaded. primary residence located at XXX is owned free & clear property detail report is in your loan package starting on page XXX looks like the payment that was added for this property is actually for the investment property located at XXX--I have updated the 1003 to reflect this information and provided docs for XXX XXX XXX loan---please note the XXX pymt letter has their primary residence address on it as XXX is an investment property ; Documentation and comment received, XXX to review.; ; | 03/24/2026 | ; Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DSCR, 70% LTV, XXX Score. Property is owned by LLC- not borrower as an individual.; ; Documentation provided showing closing date and XXX payment date for property at XXX XXX to be XX/XX/XXXX. Screenprint provided showing loan is due for XX/XX/XXXX, however dates of payments were not provided showing that payments were made on time. | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039790 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Waived | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Loan closed in LLC name. XXX DSCR v13 guidelines require an executed W9 for all borrowers/guarantors. | ; ; Please waive for Grade B- comp factors XXX% DSCR, 70% LTV, XXX Score; ; | 03/24/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR of XXX score and 70% LTV. | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039790 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Resolved | XXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert Final 1003 reflects XXX for monthly taxes and appraisal reflects annual taxes of XXX The Tax Record Information sheet provided was left blank and title report reflects XXX / XXX = XXX a month. Provide verification of subject property taxes. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; New XXX home- see page XXX; ; | 03/19/2026 | Property Tax Cert Provided; Client provided Conditional Approval for property tax verification. However, an estimate from the title company or similar is required. | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039790 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Loan Safe fraud report reflects additional properties not disclosed on the Final 1003 (XXX XXX). Additionally, a lease for residential property "XXX" was provided and not disclosed on the Final 1003. Provide updated Final 1003 disclosing all properties owned by borrower. | ; Please waive for Grade B. ; Documentation and comment received, XXX to review.; Document Uploaded. not a valid condition--no suspense fees should be incurred ; ; ; ; ; | 03/18/2026 | All Fraud Report Alerts have been cleared or None Exist | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039790 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Waived | XXX | Property | Ineligible Property | Per XXX website, property is a rural property. | ; Please waive for Grade B- Comp factors, DSCR of XXX score and 70% LTV. ; ; ; ; ; ; ; | 03/12/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR of XXX score and 70% LTV.; | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039790 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX guidelines, escrow account for taxes and insurance required. No Escrow account established at closing. | ; ; Waive for Grade B- Comp factor- XX/XX/XXXX DSCR, XXX Fico, New XXX; | 02/25/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX/XX/XXXX DSCR, XXX Fico, New XXX | 02/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039975 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Rescinded | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX | ; Document Uploaded. XXX DSCR program allows FICO to XXX for XXX% cash out up to XXX with DSCR >XXX; ; | 02/23/2026 | ; Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | 02/23/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409041526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. |  | 03/27/2026 | The issue with the property has been resolved. | 03/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 70% \| 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 50.6% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance does indicate replacement coverage; however, no RCE provided and no evidence of extended coverage calculations. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/27/2026 | Client provided letter from Coversa Insurance Agency stating: It is the practice of this agency to insure structures for XXX% of their Estimated replacement cost. Coverage A- Dwelling limit reflects the estimated minimum replacement cost based on information provided by the policyholder and/or industry standard software. This policy insures up to the dwelling limit, minus the applicable deductible. We do not insure the loan value, appraisal value, or mortgage value, we ensure the cost to rebuild the home. LM Updated.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 03/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 70% \| 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 50.6% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | XXX | Credit | Missing rent comparable schedule form 1007 | The subject loan is based on DSCR guidelines which require an analysis of market rents. The appraisal in file does not contain form 1007 or any other documentation reflecting market rents. | ; ; Document Uploaded. ; | 03/27/2026 | Client provided Comparable Rent Schedule for the subject. LM Updated. | 03/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 70% \| 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 50.6% is less than Guideline LTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Waived | XXX | Property | Appraisal is Missing | Appraisal is Missing. The value used for LTV of 50.605% is $XXX per XXX and Lender Approval. The subject property has only been owned for XXX months. DSCR XXX GLs require the user of the lesser of the cost basis or current appraised value. The current appraised value is $XXX. The value used of $XXX is presumably the purchase cost of $XXX plus $XXX in improvements. Documentation supporting the improvements has not been provided. | ; PLease review rebuttal; Please waive on exception for B-Grade. Comp Factors: FICO XXX (XXX) LTV 50.6% (XXX% max) Experienced XXX XXX mortgage history XXX months reserves (XXX required); Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. ; are we clear here?; Documentation received, XXX to review; Document Uploaded. ; Documentation received, XXX to review.; | 03/27/2026 | Client approved an exception to guidelines to allow for use of current appraised value. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX (XXX) LTV 50.6% (XXX% max) Experienced XXX XXX mortgage history XXX months reserves (XXX required).; XXX did not request receipts for improvements. This was a cash-out refinance based on the current appraisal value. At the time of closing, appraisal was reviewed, CDA obtained to confirm value, and no further stipulations were required. Resi guidelines allowed for using the appraised value as long as the borrower owned the home > XXX months. We would like to request an exception to use the appraised value with almost XXX months' seasoning. We are requesting a XXX-month exception with the CDA supporting the; Documentation received, XXX to review.; Updated XXX provided, however documented improvements are missing from the loan file. ; ; | 03/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 70% \| 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 50.6% is less than Guideline LTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | XXX | Credit | purchase is not considered to be an Arm's Length Transaction | Borrower is the builder of the subject property. This is considered to be a non-arm's length transaction per XXX Guidelines. | ; Please review rebuttal; Transaction is not considered NAL as it is a refinance transaction. Property was built in XXX and borrower would not be the original builder - borrower is licensed contractor completing XXX on their own property. This is not considered NAL and has no impact on the transaction. ; Document Uploaded. ; Documentation received, XXX to review.; ; ; Document Uploaded. ; are we clear here?; Documentation received, XXX to review.; Document Uploaded. ; Documentation received, XXX to review.; | 03/27/2026 | purchase is considered to be an Arm's Length Transaction, or XXX; The subject transaction is not NAL. Finding is resolved. ; This condition is under review for the non-arm's length characteristics XXX has sighted. The borrower purchased the home in XX/XX/XXXX using their business entity name. They made improvements to the home in order to get it in a desirable condition to rent out. The borrower's business did not build the home, they did XXX. XXX comments above makes it sound like they built the home from the ground up and why there may be a non-arm's length conflict misunderstanding. I hope that we can resolve this matter after further review by management at XXX.; Documentation received, XXX to review.; XXX to review non-arm's length transaction letter. Seller States "This loan is not a purchase transaction so "non-arm's length" characteristics do not apply. The borrowers made the improvements before offering the property for rent."; ; ; ; Loan is still considered a Non-Arm's length transaction. Borrower is the builder of the subject property as borrower is the XXX of XXX XXX LLC. | 03/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 70% \| 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 50.6% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX DSCR calculation can not bee completed due to no market rents or leases provided. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/03/2026 | Qualifying DSCR meets Guidelines; Missing Lease agreement. | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 70% \| 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 50.6% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The DSCR XXX GLs require an SFR be leased for a refinance. The appraisal indicates the subject property is vacant and no lease or documentation proving the subject is rented has been provided. | ; Documentation received, XXX to review.; lease; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | Property/Appraisal Meets Guidelines; Client re-uploaded Appraisal document. Missing lease agreement for the subject property. | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 70% \| 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 50.6% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | XXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert The property tax cert is in file. However, the FCD reflects a monthly property tax liability of XXX (which just happens to be identical to the flood insurance monthly premium). The tax bills and title tax cert reflect taxes of XXX per month. Lender to provide updated tax cert from the title company or Post FCD reflecting corrected property taxes being escrowed. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | Property Tax Cert Provided | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 70% \| 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 50.6% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040894 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/19/2026 | Cured | XXX | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Origination XXX tax service XXX discount points XXX flood cert XXX condo processing XXX settlement XXX and prepaid interest $XXX. | ; Document Uploaded. ; Documentation received, XXX to review.; ; Please see your original condition-Stated, "The fees included in the finance charge calculation include: Origination XXX tax service XXX discount points XXX flood cert XXX condo processing XXX settlement XXX and prepaid interest $XXX." and now you say it is NOT included. Correct?; DD to clarify and reopen finding - Seller comment" Please see your original condition-Stated, "The fees included in the finance charge calculation include: Origination XXX tax service XXX discount points XXX flood cert XXX condo processing XXX settlement XXX and prepaid interest $XXX." and now you say it is NOT included. Correct?" Per DD notes on update on XX/XX/XXXX update - The XXX condo processing fee was not included in the lender finance charge calculation therefore finance charges on page XXX of the CD were under disclosed and require a cure; ; ; I do not understand what the issue is. You are asking us to refund the XXX for the condo processing fee not being disclosed. I then provided the COC and evidence sent to the borrower where it was disclosed. Then you asked for evidence the docs were delivered-then asked for the COC from another disclosed date and evidence that was sent to the client. We dont need to refund something we disclosed to the client-Please help me understand what I am missing.; ; ; ; ; ; ; ; Document Uploaded. Evidence XX/XX/XXXX COC and LE were edelivered; Documentation received, XXX to review.; ; Document Uploaded. This is the same stuff uploaded for the other condition-these conditions go hand in hand. I realized I didn't provide it for BOTH conditions in case you needed that done. thanks!; Documentation and comment received, XXX to review.; | 03/26/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; The fees listed in the original response are the fees the TPR used in determining the calculated finance charges. The fees included in TPR testing are listed so the lender/client can see where the difference in their own testing may be been. Since this file included the loan detail report it was reviewed and noted that it appears the lender did not include the condo processing costs. ; The issue is regarding the finance charge calculation on pg XXX of the CD, not XXX% tolerance. The XXX condo processing fee was not included in the lender finance charge calculation therefore finance charges on page XXX of the CD were under disclosed and require a cure; No new docs were uploaded for review-- finding still XXXs opened The finance charges at consummation were under disclosed. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Origination XXX tax service XXX discount points XXX flood cert XXX condo processing XXX settlement XXX and prepaid interest $XXX.; The finance charges at consummation were under disclosed. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Origination XXX tax service XXX discount points XXX flood cert XXX condo processing XXX settlement XXX and prepaid interest $XXX.; Documentation provided did not resolve the exception. The finance charges at consummation were under disclosed. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Origination XXX tax service XXX discount points XXX flood cert XXX condo processing XXX settlement XXX and prepaid interest $XXX. | 03/26/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409040894 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/18/2026 | Resolved | XXX | Compliance | 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:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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 XXXl. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was XXXled, 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 loan estimate at least XXX business days prior to consummation. | ; Document Uploaded. Evidence of the XX/XX/XXXX COC and LE were delivered-PLEASE CLEAR; Documentation received, XXX to review.; ; ; Documentation received, XXX to review.; The uploaded docs show the edisclosure to the client which is all we are required to provide when they sign the ok to delivery electronically. Please clear; ; Document Uploaded. LE with COC showing evidence of e-delivery to the client for the XXX condo processing fee charge; Documentation received, XXX to review.; | 03/18/2026 | Revised LE receipt date provided; exception resolved; Unless the borrower acknowledges receipt or the documentation shows the borrower opened or viewed the document, the XXXlbox rule applies to an electronically sent document. The XX/XX/XXXX LE document is not considered received at least XXX days prior to consummation; Unless the borrower acknowledges receipt or the documentation shows the borrower opened or viewed the document, the XXXlbox rule applies to an electronically sent document. The XX/XX/XXXX LE document is not considered received at least XXX days prior to consummation ; documentation provided does not show the borrower received the revised LE dated XX/XX/XXXX at least XXX days prior to consummation; Unless the borrower acknowledges receipt or the documentation shows the borrower opened or viewed the document, the XXXlbox rule applies to an electronically sent document. The XX/XX/XXXX LE document is not considered received at least XXX days prior to consummation | 03/18/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409037646 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX XXX Expanded DSCR v13 guide requires two full months of all assets. Please provide additional month for XXX acct#XXX and XXX XXX acct #XXX and XXX and XXX acct #XXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | Asset Qualification Meets Guideline Requirements. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409037646 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Subject Property: There is a current lease in place for a total of XXX (Both units at XXX each per month) according to the appraisal XXX however, there is no actual lease agreement provided in the loan file for Audit verification. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/26/2026 | Client provided leases for both Units. LM Updated. | 02/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409039424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040290 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409039760 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal shows deferred XXX with peeling paint. Not addressed on appraisal. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | Appraisal updated and reflects cost to cure for peeling paint in the amount of $XXX; condition cleared. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039760 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX. Not permitted per XXX XXX DSCR guidelines. | ; ; Please waive for B grade - XXX has made an exception - COMP FACTORS: • FICO XXX • DSCR >XXX • Experienced XXX ; ; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX • DSCR >XXX • Experienced XXX | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039760 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Rescinded | XXX | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Provide Personal Guaranty not contained in load file. | ; ; Personal Guaranty is in the file on p XXX - please review; | 04/17/2026 | Personal Guaranty is located in the loan file. ; Personal Guaranty provided. | 04/17/2026 | D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039760 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing EIN documentation for LLC | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/01/2026 |  | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Business Entity Formation Documents and EIN | ; Documentation received in XXX review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Client provided IRS EIN assignment form reflecting EIN for XXX. LM Updated.; Client provided Articles of Organization, XXX and Operating Agreement. However, Missing EIN.; Client provided VOM and Business Purpose & Occupancy Affidavit. However, Missing Business Entity Formation Documents and EIN. | 04/20/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed on XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/27/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 03/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 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<br> D<br> B<br> C<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program v12 | ; Please waive for B grade. XXX granted exception. Comp factors: FICO XXX /LTV below max / XXX history; XXX buys by NDM's guidelines, we don't require a business narrative, please clear thank you, ; | 03/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX /LTV below max / XXX history | 03/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 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<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/05/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 03/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 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<br> D<br> B<br> C<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/05/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 03/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 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<br> D<br> B<br> C<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2026 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 a Valid COC. The tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender Credits. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 03/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 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<br> D<br> B<br> C<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409038558 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property is designated as Rural per XXX. Not permitted per XXX XXX DSCR guidelines. | ; Document Uploaded. Exception granted. Please note there is a cost of XXX for the exception. DD to waive for B grade, exception XXX.; ; ; | 03/04/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX Experienced XXX, DSCR = XXX | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Two business accounts were combined to qualify borrowers. Acct# XXX and Acct# XXX (See LOE on page XXX). Co-mingling of multiple accounts to generate a full XXX months is not permitted per guidelines. | ; ; ; Escalated to DD for review. Verified XXX months each account with corresponding time period provided.; Both accounts for the same business, co-mingles accounts are defined as borrower who does not XXXtain separate business and personal accounts (ie personal account that co-mingles business activity) Both accounts are full XXX months. ; | 04/02/2026 | Additional information provided. Both accounts were received with XXX months Statements and are business accounts. Finding cleared. | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.28% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement Program v12 | ; DD to waive for B Grade. Seller does not have approved variance but does not required per their guidelines. Based on prior reviews fine to waive for B Grade the requirement for Business Narrative. Comp Factors: XXX FICO; XXX mos PITIA reserves; 51.28% LTV; Per XXX guidelines business narrative is not required, please waive condition ; | 03/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX mos PITIA reserves; 51.28% LTV | 03/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.28% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | Borrower 1 Business Bank Statements Less Than XXX Months Provided | XXX # XXX XXX XXX Statement missing. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; | 03/03/2026 | Client provided XXX account #XXX Statement for XX/XX/XXXX. LM Updated. | 03/03/2026 | 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<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The file only contains a CD dated XX/XX/XXXX and XX/XX/XXXX This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. Please see the XXX signed Initial CD dated XX/XX/XXXX. | 03/02/2026 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 03/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.68% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.68% 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.68% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.68% 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.68% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.68% 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/27/2026 | Resolved | XXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy A copy of the master policy was not provided. | Document Uploaded. Please see XXX condo insurance policy. | 03/02/2026 | HO-6 Master Insurance Policy is fully present | 03/02/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044528 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 n 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 130b Cure required: Cure of XXX required, Because the SSPL dated within XXX days of the loan application is missing, the changes resulted in threshold to go above the allowable tolerance. A cost to cure in the amount of XXX is required. The defect may be resolved by providing the missing document. If curing the violation Refund in the amount of XXX cure package requires PCCD, LOE, copy of refund check, proof of delivery or providing an SSPL issued within XXX days of the loan application date. | Document Uploaded. Please see uploaded document, SSPL dated within XXX days of application. ; The fees in section C are not subject to XXX% tolerance testing as the fees were paid to a non-affiliate. | 03/02/2026 | SSPL provided; exception resolved; SSPL provided; exception resolved; The SSPL in file is not dated within XXX days of the application date, therefore all fees in section C are tested as part of the XXX% tolerance category. | 03/02/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044528 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044528 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/26/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may laXXXully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Documentation required to cure: Provide evidence the borrower received the appraisal at least XXX business days prior to loan consummation. | Please see XXX confirming the appraisal was sent to the borrower on XX/XX/XXXX. Please review to clear this and XXX conditions. | 03/02/2026 | Appraisal delivery provided; HPML compliant | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.78% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 65%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Documentation required to cure: Provide evidence the borrower received the appraisal at least XXX business days prior to loan consummation. | Please see XXX confirming the appraisal was sent to the borrower on XX/XX/XXXX. Please review to clear this and XXX conditions. | 03/02/2026 | Appraisal delivery provided; HPML compliant | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.78% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 65%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than XXX days Prior to Consummation (12 CFR 1026.35(c)(6)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. Documentation required to cure: Provide evidence the borrower received the appraisal at least XXX business days prior to loan consummation. | Document Uploaded. Please see XXX confirming the appraisal was sent to the borrower on XX/XX/XXXX. Please review to clear this and XXX conditions. | 03/02/2026 | Date of Borrower Receipt of Appraisal exceeds XXX business days from Closing Date, or XXX | 03/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.78% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 65%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.78% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 65%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.78% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 65%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 03/13/2026 | 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%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/26/2026 | Acknowledged | XXX | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Documentation Required to clear exception: Provided proof of Homeownership Disclosure issued within XXX days of application date This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website XXXtained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. | Unable to Resolve-Seller acknowledges the exception, no change to grading.; Document Uploaded. Please see XXX counseling disclosure. | 03/03/2026 | Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading.; HOC list was not provided within XXX days of the application date XX/XX/XXXX | 03/13/2026 | 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%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044558 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.07% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.07% is less than Guideline CLTV of 80%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044558 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.07% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.07% is less than Guideline CLTV of 80%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044558 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/27/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.07% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.07% is less than Guideline CLTV of 80%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The loan file is missing verification of subject property taxes. Please provide verification of subject property taxes. | Document Uploaded. Please see uploaded document, tax cert for subject property as requested. | 03/02/2026 | Lender provided subject property tax cert. | 03/02/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044561 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Acknowledged | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | Unable to Resolve-Seller acknowledges exception, no change in grading ; Document Uploaded. Please see the esigned appraisal waiver XXX; Document Uploaded. Please see XXX | 03/04/2026 | Acknowledged as grade 2/B per client request; Document provided confirms the borrower waived their right to receive the appraisal at least XXX days prior to consummation, however under XXX(a), the borrower is still required to receive a copy of the appraisal at or prior to consummation, provide documentation to show the borrower received the appraisal timely ; Document provided confirms the borrower has a right to receive a copy of the appraisal, but i does not confirm the borrower did receive a copy timely | 03/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.34% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.34% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044561 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.34% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.34% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044561 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.34% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.34% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy Per the Flood Cert in the loan file, the subject property is in a Flood Zone and requires flood insurance. The loan file was missing the flood insurance documentation, please provide. | Document Uploaded. Please see the XXX flood insurance policy. | 03/02/2026 | Flood Insurance Policy is fully present | 03/02/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Subject property is a XXX. Subject property Master Insurance Policy is missing from the loan file. Please provide. | Document Uploaded. Please see XXX condo master insurance policy. | 03/02/2026 | HO-6 Master Insurance Policy is fully present | 03/02/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in clean up review. exception rescinded Applied undiscounted rate in clean up review. exception rescinded | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in clean up review. exception rescinded Applied undiscounted rate in clean up review. exception rescinded |  |  | 05/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044541 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 the CD dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. Please see the screen shots XXX from XXX internal underwriting system. It confirms that on XX/XX/XXXX, there was a XXX pricing change for a second rate lock extension. This change the total points from XXX to XX/XX/XXXX and impacted the credits we could extend to the consumer. | 03/02/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.81% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.81% is less than Guideline LTV of 85% \| 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044541 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.81% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.81% is less than Guideline LTV of 85% \| 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044541 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.81% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.81% is less than Guideline LTV of 85% \| 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044546 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% 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% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044546 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% 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% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044546 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% 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% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044516 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. |  | Confirmed Non QM Loan | 03/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044516 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.73% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.73% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044516 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.73% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.73% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044516 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.73% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.73% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044557 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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 loan file. | Document Uploaded. Please see the XXX confirmation of appraisal delivery. | 03/02/2026 | Evidence of appraisal delivery provided. | 03/03/2026 | 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 50.23% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.23% is less than Guideline LTV of 80%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044557 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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 50.23% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.23% is less than Guideline LTV of 80%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044557 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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 50.23% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.23% is less than Guideline LTV of 80%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in clean up review. Exception rescinded Applied undiscounted rate in clean up review. Exception rescinded | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in clean up review. Exception rescinded Applied undiscounted rate in clean up review. Exception rescinded |  |  | 05/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.37% 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.37% 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.37% 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044569 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.45% is less than Guideline LTV of 65% \| 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044569 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.45% is less than Guideline LTV of 65% \| 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044569 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.45% is less than Guideline LTV of 65% \| 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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 63.64% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 85%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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 63.64% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 85%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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 63.64% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 85%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044464 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044464 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044464 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | Approval/Underwriting Summary XXX Provided | Approval/Underwriting Summary XXX Provided. The XXX provided in the loan file does not reflect a DTI. The verified DTI is XXX%. Please provide an updated XXX | Please be advised this is a function of product as this product type is not run through automated underwriting findings. | 03/02/2026 | Found DTI on QM Findings report.; Approval/Underwriting Summary is fully present | 03/02/2026 | 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<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409044465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409044465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409044497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in clean up review. Exception rescinded Applied undiscounted rate in clean up review. Exception rescinded | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in clean up review. Exception rescinded Applied undiscounted rate in clean up review. Exception rescinded |  |  | 05/21/2026 | C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | 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:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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 XXXl. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was XXXled, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. | Document Uploaded. Please see the XXX internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 02/27/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 03/02/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/27/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/26/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/26/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/26/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044476 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may laXXXully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Copy of appraisal was provided to borrower and taxes & insurance were escrowed | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may laXXXully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Copy of appraisal was provided to borrower and taxes & insurance were escrowed |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 03/13/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044476 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Copy of appraisal was provided to borrower. Taxes & insurance were escrowed. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Copy of appraisal was provided to borrower. Taxes & insurance were escrowed. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 03/13/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044476 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | 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:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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 XXXl. Revised LE issued XX/XX/XXXX, no evidence when received. Loan closed XX/XX/XXXX | Document Uploaded. Please see XXX confirming when the LE was viewed. Website FYI is the borrower viewing the document. | 02/27/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 03/02/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044476 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044476 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044480 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.17% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.17% is less than Guideline LTV of 85% \| 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044480 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.17% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.17% is less than Guideline LTV of 85% \| 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044480 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.17% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.17% is less than Guideline LTV of 85% \| 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044482 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | 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:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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 XXXl. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was XXXled, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Document Uploaded. Please see the XXX internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 03/02/2026 | Revised LE receipt date provided; exception resolved | 03/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.5% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.5% is less than Guideline CLTV of 85% \| 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044482 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.5% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.5% is less than Guideline CLTV of 85% \| 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044482 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.5% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.5% is less than Guideline CLTV of 85% \| 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044505 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Cure- provide Homeownership counseling organizations disclosure dated within XXX days of initial application XX/XX/XXXX. | Document Uploaded. Please see XXX counseling disclosure. | 03/02/2026 | Homeownership Counseling Disclosure Is Present or XXX | 03/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044505 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044505 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044518 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | 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 23.26% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 23.26% is less than Guideline LTV of 70%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044518 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | 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 23.26% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 23.26% is less than Guideline LTV of 70%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044518 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/26/2026 | 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 23.26% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 23.26% is less than Guideline LTV of 70%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Rescinded | XXX | Credit | Application Profile Missing | Loan Originator XXX NMLS XXX is not showing active for the State of XXX. | ; Document Uploaded. Please rescind finding per XXX Compliance document XXX. Thank you,; This is a DSCR loan and the loan Originator is not required to be licensed. ; | 03/24/2026 | Business purpose loans excluded from requirement. | 03/24/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Unit XXX shows vacant in the photos but per the new lease agreement it's now leased. Appraiser did update to "tenant" occupied. However, we are missing proof of receipt for the security deposit on both units, both are new leases within XXX days or closing date. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/06/2026 | Property/Appraisal Meets Guidelines; Client States: Please note that XXX was the rental broker for both units of XXX XXX. On XX/XX/XXXX XXX released the security deposits for both units to XXX. Provided Check reflecting XXX to XXX. LM Updated. | 03/06/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409042019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Property | Condo Approval Missing | Condo Approval Missing. Lender to provide condo approval. | ; DD to review: Finding still open. Please review and note if any issues with condo approval uploaded.; Documentation received, XXX to review.; Document Uploaded. Please see XXX Condo Cert.; | 03/04/2026 | Condo Approval is provided.; Client provided Condo Limited Project Review Checklist reflecting Certify that the subject condo meets the limited review requirements for FNMA/FHLMC. LM Updated.; Condo Approval is provided.; Client provided Condo Approval. LM Updated. | 03/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 409042019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX Business Purpose Affidavit.; | 03/04/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose Loan Certification and Attestation. LM Updated. | 03/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 409041021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Waived | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Fees included in testing: XXX Lender paid Broker compensation; XXX Discount points; XXX underwriting fee | ; Document Uploaded. DD to waive for B Grade. Approved exception XXX. Comp Factors: XXX FICO; No Mortgage Lates in Last XXX months; XXX% DTI; XX/XX/XXXX mos PITIA reserves; Points and Fees Under XXX%; ; ; XXX to review for Exception - Exception entered and pending review - DD to re-open condition.; This should be reviewed at XXX% and not XXX please re-review. ; | 04/16/2026 | Waived per client request. Risk accepted for B grade. Client acknowledged the following compensating factors for this purpose: XXX FICO; No Mortgage Lates in Last XXX months; XXX% DTI; XX/XX/XXXX mos PITIA reserves; Points and Fees Under XXX%.; | 04/16/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409040533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The bank Statements indicate the borrower is purchasing XXX units in addition to the subject property within the same project that were not disclosed on the final application. (Unit XXX and XXX). Provide corrected application disclosing all properties currently owned or in the process of being purchased along with closing dates or estimated closing dates. | ; In review for possible exception if unable to cure with updated 1003. DD to reopen.; Please cancel this condition as it is invalid. The subject property is Unit XXX The application is for properties owned, and other Units were not owned at time of application. These properties are all investment properties, subject to DSCR and not DTI.; | 04/07/2026 | The Final 1003 is Present | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Insurance reflects XXX rent loss insurance which is less than XXX (XXX months market rents) required by guidelines. | ; DD to review loss of use coverage - updated to $XXX; Documentation received, XXX to review.; New policy shows $XXX. This is XXX months.; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX coverage update.; | 03/31/2026 | Loss Rent Coverage is Sufficient; Client provided Updated Evidence of Insurance reflecting XXX Loss of Use coverage. LM Updated.; ; Policy provided showing short term rental however no amount Stated. XXX months minimum required | 03/31/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Provide executed Business Purpose Affidavit. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX Business Purpose Affidavit.; | 03/05/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Affidavit of Occupancy reflecting Investment Property. LM Updated. | 03/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. The lender's guidelines require Statements evidencing at least two months consecutive activity. The loan file contained XXX months current Statements for XXX #XXX to verify funds to close; however, XXX months consecutive Statements were not provided for earnest money/deposits for subject purchase. Borrower gave the following earnest money/deposits: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from XXX #XXX and XX/XX/XXXX from XXX #XXX. Only one month Statement was provided for each deposit. Missing the following 2nd month Statements: XXX #XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXX #XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX Statements.; | 03/26/2026 | Asset Record XXX Meets G/L Requirements | 03/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Large deposits for earnest money were not sourced for Statement dated XX/XX/XXXX. Per XXX guidelines, Large deposits are defined as any single deposit that represents more than XXX% of the monthly average deposit balance and must be sourced and evaluated. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX Statements.; | 03/26/2026 | Asset Qualification Meets Guideline Requirements. | 03/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXX | Credit | HO6 Master Insurance Policy is Partial | HO-6 Master Insurance Policy XXX Provided The lenders guidelines require hazard insurance for entire XXX project to be verified through review of the following documents: Master Liability Insurance Policy, Master Policy Insurance Policy and Rent-Loss Insurance HO6/Walls-in-Policy. The loan file contained the HO6 Policy and the Master Liability Insurance Policy; however, the additional name insured on the Master Policy is for an individual at Unit XXX The borrower is purchasing Unit XXX The loan file was also Missing the Master Policy Insurance Policy to confirm all guideline requirements were met. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX Master Policy; | 03/06/2026 | HO-6 Master Insurance Policy is fully present; Client provided the Master Policy reflecting Unit XXX LM Updated. | 03/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; Please waive for B grade. XXX exception granted. FICO XXX / DSCR >XXX / Experienced XXX/ Perfect credit history / Appraiser indicates suburban.; ; | 04/07/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: : FICO XXX / DSCR >XXX / Experienced XXX/ Perfect credit history. | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property is designated as rural per XXX. Not permitted per XXX XXX DSCR guidelines. | ; Please waive for B grade. XXX exception granted. FICO XXX / DSCR >XXX / Experienced XXX/ Perfect credit history / Appraiser indicates suburban.; ; ; | 04/07/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR >XXX / Experienced XXX/ Perfect credit history / Appraiser indicates suburban. | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing the Business Purpose & Occupancy Affidavit. | ; ; ; Document Uploaded. ; | 03/11/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & Occupancy Affidavit. LM Updated. | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXX | Credit | purchase Contract is Incomplete | Loan Purpose is purchase but purchase Contract Doc is Incomplete purchase contract is illegible, need a clear copy. | ; ; ; Document Uploaded. ; | 03/11/2026 | purchase Contract Doc is complete.; Client provided Executed purchase Agreement. LM Updated. | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXX | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA Emergency Declaration declared on XX/XX/XXXX is after the appraisal report & before the 1004D re-inspection, but prior the appraiser did not comment on this. (XXX Severe Winter Storm EM-XXX-XXX) | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/11/2026 | FEMA Post Disaster Inspection report was provided.; Client provided Appraisal Update and/or Completion Report stating: The FEMA disaster that was declared on XX/XX/XXXX for a severe winter storm did not have any impact on the condition or marketability of the subject property. LM Updated. | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Missing Master Insurance Policy, simultaneous loan XXX includes the master policy but this loan does not. | ; Document Uploaded. ; ; | 03/11/2026 | HO-6 Master Insurance Policy is fully present; Client provided HO-6 Master Insurance Policy. LM Updated. | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040384 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/27/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program v12 | ; XXX buys to NDM's guidelines, we don't require this, please clear; Please waive for B grade - XXX granted exception -. Comp Factors: FICO XXX DTI  | 03/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DTI  | 03/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| 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<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040384 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Compliance | TILA Right of Rescission Test | The final CD shows a disbursement date of XX/XX/XXXX, however the rescission period ends on XX/XX/XXXX therefore a XXX day rescission period was not provided. Provide a FSS or Cure package with a new rescission period that includes PCCD, LOE, new RTC This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/10/2026 | FSS provided with updated disbursement date; exception resolved; FSS provided with updated disbursement date; exception resolved | 03/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| 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<br> D<br> B<br> C<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Cured | XXX | Compliance | 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 appraisal desk review was added and the appraisal fee increased without a valid COC in file. The COC in file did not contain a reason for the changes 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 n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | ; Document Uploaded. ; Documentation received, XXX to review.; ; updated ; Document Uploaded. The appraisla fee increased on the LE due to property being waterfront - this is Stated on the COC (LE). Same with the desk review fee, the fee was added on the COC (CD). Please advsie or update condition, thank yoyu.; Documentation received, XXX to review.; | 03/26/2026 | Valid COC provided; exception resolved; 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 n 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).; Updated cure amount to $XXX. The COC indicated "collateral related fee added" however this was not sufficient. provide clarification on why the fee was added. Per SFA: To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: XXX) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); XXX) specific reason for the revision and how it impacted the specific fee(s) that increased; XXX) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and XXX) the date of the changed circumstance (i. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § XXX(e)(XXX)(iv)(A) through (F) has occurred) | 03/26/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409039210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/27/2026 | Resolved | XXX | Compliance | 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. | ; Document Uploaded. | 03/03/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/03/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409040201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX DSCR v13 guidelines require two full months of asset verification. File contains one-month Statements for XXX acct #XXX and #XXX. | ; ; DD to Please Waive for B Grade. Fine to proceed with XXX month bank Statements to document assets. Minimum of XXX month bank Statements required. Comp Factors: XXX mos PITIA Reserves ; XXX FICO; No Mortgage Lates. ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX for XXX account, and we will need to request and exception for XXX account.; ; Document Uploaded. Please see XXX bank Statements for XXX and XXX; Documentation received, XXX to review.; Advise if XXX to review for exception waiver if unable to cure.; ; | 03/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA Reserves ; XXX FICO; No Mortgage Lates.; Asset Qualification Does Not Meet Guideline Requirements.; Asset Qualification Does Not Meet Guideline Requirements.; Client provided VOD for XXX #XXX. Still need Statements for XXX & XXX ; Bank Statements provided for XXX dated XX/XX/XXXX and XXX & XXX dated XX/XX/XXXX. XXX guidelines require for XXX months consecutive Statements for each account, one month for each Statement was provided. ; Asset Qualification Does Not Meet Guideline Requirements. | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts XXX Fraud report discloses an undisclosed property (XXX) not listed on the Final 1003. Provide updated Final 1003 with all properties owned by borrower. | ; ; ; ; Document Uploaded. Please be advised that the borrower does own this property, please see XXX 1003 showing this property along with the property profile.; Documentation received, XXX to review.; Document Uploaded. please see XXX XXX report, and I am not able to locate this property XXX XXX. Could you please confirm the full property address? Also, as per the condition the property address " XXX XXX" is on the fraud report and if it is not on the the report please advise on where did you get this address from; Documentation received, XXX to review.; ; Document Uploaded. Please see XXX; Documentation received, XXX to review.; | 03/16/2026 | All Fraud Report Alerts have been cleared or None Exist; Client provided Updated 1003 adding XXX XXX,XXX. LM updated.; complete address is XXX XXX,XXX. Property was listed on the XXX fraud report.; 1003 received, but property at XXX XXX was not listed on 1003. | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Missing an established escrow account for taxes and insurance as required per XXX Expanded DSCR v13 guidelines. | ; Document Uploaded. DD to waive for B Grade. Exception approved XXX.; Exception for escrow waiver was approved. Please note: Price Adjustment Applied: XXX ; ; XXX to review for exception. Entered and Pending review. DD to reopen finding.; we have an escrow waiver, please review and advise on an exception; XXX may review for post close exception. Please note there will be impact to pricing if exception approved.; | 03/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA Reserves (Enough to cover reserve requirement and XXX months of tax and insurance payments); XXX FICO; No Mortgage Lates.; | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040959 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Borrower does not meet the criteria of experienced XXX for the XXX XXX Expanded DSCR Program, therefore the max LTV is 70% | ; ; ; Please waive - XXX exception granted for LTV - Comp Factors: XXX DSCR; XXX FICO; XXX mos PITIA reserves; No Mortgage Lates.; ; ; Please waive - XXX exception granted for LTV - Comp Factors: XXX DSCR; XXX FICO; XXX mos PITIA reserves; No Mortgage Lates.; Document Uploaded. DD to waive for B Grade. Exception approval XXX.; Post close exception has been approved. Please note there will be XXX adjustment to price. ; Document Uploaded. XXX buys to NDM's guidelines see XXX Matrix and please clear; Documentation received, XXX to review.; XXX may review for exception. Please notify if exception requested. Please note there maybe impact to pricing if exception able to be approved.; | 03/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR; XXX FICO; XXX mos PITIA reserves; No Mortgage Lates.; Approved exception received, however no compensating factors provided. Please provide at least XXX compensating factors. ; Exception was received but missing compensating factors. | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Waived | XXX | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Per XXX the Lender has classified the borrower as an experienced XXX which requires the borrower to have owned XXX for at least XXX months in the last XXX months. The borrower has owned her primary for over last XXX years and has owned the subject for only XXX months. There is a month-to-month lease agreement with the borrower as landlord for another property (XXX XXX) dating back to XXX, there are rental payments other than subject reflected as received on the borrower's XXX mos bank Statements, and there is a mortgage showing closed in XXX. However, there is no clear documentation in file confirming ownership of another investment property for XXX months in the last XXX months. Lender's Loan Approval references "Landlord History- Alternative Waiver - In order to use landlord history waiver, refer to specific XXX guidelines.\*\*\*provide most recent XXX mos proof of receipt of rents for subject property, owned less than XXX mos.\*\*\* No such "Alternate Waiver" has been found in DSCR GLs. Lender to provide property profile of XXX XXX to confirm the borrower's ownership as an experienced XXX. | ; Waive for Grade B- comp factors DSCR XXX Score XXX meets XXX experienced XXX guides; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX Score XXX meets XXX experienced XXX guides | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Waived | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Subject loan was approved under XXX XXX DSCR GLs v13 which require a Business Purpose Affidavit which is not in file. | ; Please waive for Grade B- meets XXX guidelines- Occupancy affidavit in file identifies business purpose. ; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: meets XXX guidelines- Occupancy affidavit in file identifies business purpose. | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per XXX XXX DSCR guidelines, No Rural Locations – As defined by the XXX Rural Designation website Property address was verified with XXX as rural. | ; ; Please waive for Grade B- meets XXX guidelines- Comp factors DSCR XXX Score XXX comps in close proximity and appraiser identifies property as suburban; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX Score XXX comps in close proximity and appraiser identifies property as suburban | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX guidelines, escrow account required. XXX payment letter shows account is not escrowed. | ; ; Waive for Grade B- comp factors DSCR > XXX Fico XXX 70% LTV, credit depth > XXX years; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > XXX Fico XXX 70% LTV, credit depth > XXX years | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041818 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing required business purpose affidavit for XXX XXX Expanded DSCR v XX/XX/XXXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | Business Purpose Affidavit/Disclosure Provided | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041818 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required EIN for XXX | ; Document Uploaded. Document found on p. XXX of upload; ; | 03/05/2026 | Client provided Department of the Treasury Tax Identification Number XXX-XXX. LM Updated. | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Loss rent coverage is XXX% of coverage A XXX or $XXX. Rent per month as per XXX is XXX x XXX mos. (as is required in lender guidelines) or XXX and coverage as per insurance declaration is XXX which is insufficient coverage for the loss of rent. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/25/2026 | Loss Rent Coverage is Sufficient | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409040341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Cu score of XXX. Third party valuation required. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/25/2026 | Third party valuation product provided within tolerance. | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409040341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Missing lease agreement for subject property. Per XXX DSCR guidelines, property must be leased on refinance transaction. | ; Property is a short term rental, so will not have a lease agreement in place.; | 03/04/2026 | Property is a short term rental. Documentation provided and DSCR updated as such. | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409044568 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate during clean up review. Exception rescinded Applied undiscounted rate during clean up review. Exception rescinded | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate during clean up review. Exception rescinded Applied undiscounted rate during clean up review. Exception rescinded |  |  | 03/13/2026 | C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044568 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | Asset 2 Expired | Asset 2 Expired XXX Statement dated XX/XX/XXXX ending balance XXX Statement expired new current Statement, printout or screen shot provided - pg XXX |  |  | Asset 2 Not Expired Or XXX | 03/05/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044568 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. doc pg XXX-support the borrower intends to occupy the subject property | Please provide clarification on the exception. This transaction is for the purchase of a new primary. The borrower intends to occupy as it will be their new primary so it makes sense the do not have documentation showing the subject as a XXXling address | 03/04/2026 | Intent of borrower's occupancy supported | 03/05/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044568 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044568 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate during clean up review; exception rescinded Applied undiscounted rate during clean up review; exception rescinded | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate during clean up review; exception rescinded Applied undiscounted rate during clean up review; exception rescinded |  |  | 05/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044494 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 Condo Questionnaire fee. COC in file does not provide an adequate explanation for this fee increase. | Document Uploaded. Please see XXX package XXXled to the borrower. | 03/10/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 03/13/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044494 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044494 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044448 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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 55.65% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.65% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044448 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 55.65% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.65% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044448 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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 55.65% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.65% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044567 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum \| Borrower has stable job time<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044567 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum \| Borrower has stable job time<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044567 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum \| Borrower has stable job time<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in clean up review; exception rescinded Applied undiscounted rate in clean up review; exception rescinded | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in clean up review; exception rescinded Applied undiscounted rate in clean up review; exception rescinded |  |  | 05/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044510 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Minimum loan amount is conforming loan limit plus XXX conforming loan limit of XXX used and subject loan is still less than the limit. | Document Uploaded. Please see XXX confirming the loan meets loan limit guidelines. | 03/05/2026 | Confirmed - Per guideline - XXX Non-Agency Non-QM Guidelines XXX - Min loan amount is $XXX.; Audited Loan Amount of XXX is greater than or equal to the Guideline Minimum Loan Amount of XXX | 03/06/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044510 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 to XXX on CD XX/XX/XXXX. | Document Uploaded. Please be advised there was a pricing change on XX/XX/XXXX that affected the lender credits. | 03/05/2026 | Valid COC for pricing change provided; exception resolved; Valid COC for pricing change provided; exception resolved | 03/05/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044510 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044456 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Cured | XXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. | Document Uploaded. Please see the XXX ROR package. ; Permanent financing refinance is exempt from rescission under Comment XXX(a)(XXX)-XXX-ii. The subject property is a new XXX, therefore, no rescission forms for any borrower were executed as rescission is XXX. | 03/17/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Documentation shows in file the subject mortgage being paid off is not a XXX loan and borrower is residing property as their primary residence. In addition funds are being used to payoff loans other than the subject mortgage. Rescission would be required | 03/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.58% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.58% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044456 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Cured | XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation to clear exception: Provide executed Right of rescission for all borrowers and non-borrowers. | Document Uploaded. Please see the XXX ROR package. ; Permanent financing refinance is exempt from rescission under Comment XXX(a)(XXX)-XXX-ii. The subject property is a new XXX, therefore, no rescission forms for any borrower were executed as rescission is XXX. | 03/17/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Documentation shows in file the subject mortgage being paid off is not a XXX loan and borrower is residing property as their primary residence. In addition funds are being used to payoff loans other than the subject mortgage. Rescission would be required | 03/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.58% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.58% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044456 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 heck and proof of delivery or valid COC. The zero tolerance violation in the amount of XXX is due to an increase from XXX to XXX for the appraisal fee. | Document Uploaded. XXX total appraisal fee is breakdown: XXX at close, XXX prior to close with a XXX lender credit reducing the total to XXX Appraisal invoices included with the images sent confirm XXX full appraisal for XXX XXX (subject property) on XX/XX/XXXX, XXX for XXX on XX/XX/XXXX for non-subject XXX-XXX XXX, XXX for XXX XXX on XX/XX/XXXX for XXX-XXX XXX and XXX for XXX multi unit appraisal on XXX-XXX XXX. We have XXX a screen shot confirming two 1007s were required as it was a mutli unit investment, and the XXX specifically requested one for each unit. The XXX requested them on behalf of the borrower and they were aware of the additional fee. | 03/05/2026 | Valid COC provided; Exception resolved; 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 n 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).; 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 n 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). | 03/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.58% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.58% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044456 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.58% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.58% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044456 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.58% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.58% is less than Guideline LTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in Clean up review. Exception rescinded Applied undiscounted rate in Clean up review. Exception rescinded | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate in Clean up review. Exception rescinded Applied undiscounted rate in Clean up review. Exception rescinded |  |  | 05/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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 39.75% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.75% is less than Guideline LTV of 80%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 39.75% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.75% is less than Guideline LTV of 80%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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 39.75% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.75% is less than Guideline LTV of 80%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | For investment property, XXX XXX, the loan file is missing the P&I verification document and hazard insurance verification documents. Please provide. | Document Uploaded. Please see XXX final closing disclosure to confirm P&I for the non-subject as well as confirm taxes and insurance are escrowed. | 03/04/2026 | Lender provided Final CD as evidence of PITI. | 03/04/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 the decrease in lender credit from XXX to XXX from CD XX/XX/XXXX to CD XX/XX/XXXX. | Document Uploaded. Please see the XXX full package.; Document Uploaded. Please see the XXX pccd, loe to borrower, cure check and proof of shipping. ; The initial exception indicated a decrease in lender credits from XX/XX/XXXX to XX/XX/XXXX, please review to pages XXX-XXX confirming that lender credits did not decrease.; The cost to the borrower did not increase from the loan estimate to the final closing disclosure. The XXX Lender's Mortgage tax XXX to this loan and is not a listed fee on the CD.; Pleas be advised that lender credits were applied to and covered all applicable fees. | 03/26/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; LOE, proof of delivery and page XXX of the CD provided, Cure package is missing the copy of check and pages XX/XX/XXXX of the CD; The documentation (pg XXX and XXX showing the lender credits confirms the amount was decreased from XXX to $XXX. The XXX credit amount XXX the same at XXX but the lender paid fees went from XXX to XXX which accounts for the reduction mentioned in the exception. provide a valid COC or cure package; The CFPB 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 SFA scope and the regulation for good faith determination. The total amount paid by the lender decreased on the final CD therefore a valid COC or cure is required; The CFPB 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 SFA scope and the regulation for good faith determination. The XXX Lender's Mortgage Tax is not an item paid on behalf of the borrower, it is a lender-paid item and therefore not considered a specific lender credit for good faith determination. | 03/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.52% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.52% is less than Guideline LTV of 90%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.52% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.52% is less than Guideline LTV of 90%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.52% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.52% is less than Guideline LTV of 90%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | 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:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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 XXXl. Without evidence of receipt, it is assumed that the LE disclosure dated XX/XX/XXXX was XXXled, 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 loan estimate at least XXX business days prior to consummation. | Document Uploaded. Please see the XXX internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 03/05/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 03/05/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044469 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements | Please see page XXX of the loan file. The XXX debts listed in the exception are judgements not int eh name of the borrower. The judgement search was preformed to confirm no judgements owed. The name on the judgement is XXX. The borrower's name, as confirmed on the credit report, is XXX. | 03/06/2026 | Delinquent Credit History Meets Guideline Requirements | 03/09/2026 | 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 71.43% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 90%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044469 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | Collections, liens or judgments not paid at closing | Evidence the following judgement(s) have been satisfied : Judgement J- XXX-XXX XXX $ XXX Judgement J-XXX-XXX XXX XXX and Judgement J- XXX-XXX XXX $ XXX | Please see page XXX of the loan file. The XXX debts listed in the exception are judgements not int eh name of the borrower. The judgement search was preformed to confirm no judgements owed. The name on the judgement is XXX. The borrower's name, as confirmed on the credit report, is XXX. | 03/06/2026 | Lender confirmed judgments do not belong to the borrower - XXX. | 03/09/2026 | 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 71.43% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 90%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044469 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/04/2026 | 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 71.43% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 90%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044469 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | 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 71.43% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 90%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/04/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044560 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044560 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044560 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate during clean up review. exception rescinded Applied undiscounted rate during clean up review. exception rescinded | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Applied undiscounted rate during clean up review. exception rescinded Applied undiscounted rate during clean up review. exception rescinded |  |  | 05/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/04/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044483 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044483 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044483 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/04/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044487 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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 56.41% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.41% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044487 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 56.41% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.41% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044487 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | 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 56.41% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.41% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | XXX | Compliance | 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:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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 XXXl. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was XXXled, 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 loan estimate at least XXX business days prior to consummation. | Document Uploaded. Please see the XXX internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 03/04/2026 | Revised LE receipt provided; Exception resolved; Revised LE receipt provided; Exception resolved | 03/05/2026 | 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 62.47% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.47% is less than Guideline LTV of 80%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | 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 62.47% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.47% is less than Guideline LTV of 80%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | 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 62.47% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.47% is less than Guideline LTV of 80%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409038524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | XXX XXX DSCR guidelines require for escrow account. Per XXX payment letter, no escrow account established. | ; Exception approved- please waive for grade B- Score XXX Refinance of Investment with 71.12% LTV, DSCR of XXX; Exception approved for escrow waiver.; ; ; | 03/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Score XXX Refinance of Investment with 71.12% LTV, DSCR of XXX | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409038524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Provide corrected Final 1003 which includes the recent purchase of REO XXX Davids Ct on XXX as evidenced by the mortgage Statement, note and HUD in the loan file. | ; Hello, the XXX address was closed in the LLC. please waive.; the XXX address was closed in the LLC. please waive.; ; | 03/20/2026 | The Final 1003 is Present; Property closed in LLC | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039931 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041994 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | PUD Rider is Missing | PUD Rider is Missing The appraisal reflects the subject property is a PUD. The mortgage does not reflect a PUD rider. Provide evidence a PUD rider was executed. | ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. will this work for this condition? ; ; ; | 04/08/2026 | The PUD Rider is Present or is XXX (XXX is PUD); Client provided Corrective Scrivener's Affidavit reflecting page XXX PUD Rider being checked and make PUD Rider part of the recorded Deed of Trust. LM Updated.; Client provided Corrective Scrivener's Affidavit reflecting the Mortgage page XXX should reflect Planned Unit Development Rider. Please provide PUD Rider. | 04/08/2026 | 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 56.27% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.27% is less than Guideline LTV of 70%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041994 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide a mortgage Statement or documentation to confirm the primary residence payment on the credit report of XXX includes taxes, insurance. Additionally, a signed LOX in the file indicates B1 is currently completing a refinance to lower the rate and payment. Provide a copy of the note and final CD from refinance. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/30/2026 | Client provided Closing Disclosure dated XX/XX/XXXX and Note for refinance of XXX XXX. LM Updated. | 03/30/2026 | 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 56.27% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.27% is less than Guideline LTV of 70%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041994 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Provide most recent XXX months receipt of XXX child support as reflected in the divorce decree. | ; Document Uploaded. Documentation received, XXX to review.; Child support, Three years continuance will continue. Alimony is paid out for two years only. Did not include XXX alimony shown on equitable distribution. bank stmts in your loan file show the XXX deposited ($XXX child support plus XXX alimony) see pages XXX-XXX XXX bank Statements. ; ; ; | 03/30/2026 | Income and Employment Meet Guidelines; Client provided XXX months bank Statements reflecting XXX deposit ($XXX Child Support and XXX alimony). LM Updated. | 03/30/2026 | 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 56.27% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.27% is less than Guideline LTV of 70%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040982 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXX | Property | Appraisal is Missing | Appraisal is Missing. Missing appraisal for subject property. Only XXX for departure residence was provided, along with findings for the subject appraisal; however, the actual appraisal report was not provided. Please provide missing appraisal. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; | 03/24/2026 | Appraisal is Present or is Waived; Client provided Appraisal for the subject property. LM Updated.; Client provided XXX Exterior-Only Inspection report for XXX XXX. However, the subject property is XXX XXX., XXX, XXX. Please provide missing appraisal.; Client provided XXX Exterior-Only Inspection report for XXX XXX. However, the subject property is XXX XXX., XXX, XXX. Please provide missing appraisal.; Client provided XXX Exterior-Only Inspection report for XXX XXX. However, the subject property is XXX XXX., XXX, XXX. Please provide missing appraisal. | 04/30/2026 | 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 65.79% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.79% is less than Guideline CLTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040982 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | Missing Payment History | Subject loan closed on XX/XX/XXXX. XXX HELOC was last reported on XX/XX/XXXX. Loan file is missing evidence of the XXX XXX XXX XXX and XXX XXX payments. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/12/2026 | Client provided Monthly HELOC Statements for XXX XXX XXX XXX and XXX XXX reflecting on time payments. LM Updated. | 03/12/2026 | 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 65.79% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.79% is less than Guideline CLTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409039956 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Final 1003 reflects borrower owning several properties and negative cash flow is included in DTI calculation, however file is missing a couple of documents to verify calculations. Please provide supporting documentation: Missing Tax doc for XXX . Property details are not showing on Fraud report. Missing Insr doc for XXX . P XXX of XXX of provided policy is missing from combined property policy. Page after pg XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Document Uploaded. Documentation received, XXX to review.; property detail report is uploaded for property located at XXX and also regarding insurance for property at XXX see pages starting on XXX - XXX---all pages are there in your XXX loan package; ; | 04/10/2026 | Full HOI documentation received. ; Provide page XXX of XXX of the XXX declaration page due to property XXX is listed as #XXX of rental properties and the Location #XXX Annual Premium section is missing from the initial upload; the PDF upload did not indicate XXX as an insured property.; Client provided property detail report for property located at XXX and XXX. Commercial line found in file. LM Updated. | 04/10/2026 | 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 77.89% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.89% is less than Guideline CLTV of 90%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039956 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX expanded bank Statement program v12. | ; ; ; Please waive for Grade B- DTI XXX FICO, and XXX years in business.; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DTI XXX FICO, and XXX years in business. | 04/01/2026 | 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 77.89% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.89% is less than Guideline CLTV of 90%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040916 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | XXX | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR v13 Guidelines State: For refinance transactions, XXX must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is vacant single-family property, and there is no evidence that the property has a lease in place. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; ; ; | 04/02/2026 |  | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040916 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit is missing from the file. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/01/2026 | Business Purpose Affidavit/Disclosure Provided | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409039589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete A mortgage Statement in file reflects a 1st lien on the primary and possibly a 2nd lien with XXX. The credit report reflects a Home Equity line with XXX. None of the mortgages are disclosed on the final application. Provide a corrected final application with all mortgages disclosed for the primary residence and the investment property. | ; Please review - XXX lien release provided by Seller.; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/17/2026 | The Final 1003 is Present; Provide an updated 1003 REO section to reflect the monthly payment, account number, and XXX credit limit for the XXX home equity loan on XXX, as indicated by the fraud report. | 04/17/2026 | 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 57.41% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.41% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Final CD and purchase contract reflect seller contributions of XXX exceeding the XXX% maximum allowed of $XXX. | ; ; Please waive for B Grade - XXX granted exception. COMP FACTORS: • XXX • DSCR >XXX • LTV 57.41% ; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX • DSCR >XXX • LTV 57.41% | 04/17/2026 | 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 57.41% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.41% is less than Guideline CLTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The final application reflects XXX in taxes, insurance fees only for the primary residence. A Mortgage Statement in file reflects a 1st lien with a monthly payment of XXX and an XXX Statement for 2nd lien with a monthly payment of $XXX. Provide documentation to support the $XXX. The final application reflects taxes, insurance premiums totaling XXX per month. The credit report reflects a HELOC that may apply to this property along with proof of property taxes of $XXX. Provide evidence of insurance. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/13/2026 | ; Provide the XXX HL account ending in XXX Statement to reconcile the financed mortgage listed in the newly updated REO section of the URLA, as required by the XXX DSCR loan program. | 04/13/2026 | 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 57.41% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.41% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Provide Guaranty Document. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/06/2026 | Personal Guaranty provided. | 04/06/2026 | 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 57.41% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.41% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Provide a W-XXX and certificate of good standing for the Borrower's LLC, XXX as required per guidelines. File contain a XXX report that reflects good standing, however, the document is missing a date and cannot determine if the business is in good standing at time of close. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | EIN and cert of good standing provided. | 03/25/2026 | 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 57.41% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.41% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Resolved | XXX | Compliance | 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. | ; ; Document Uploaded. ; NDM doesn't require this please clear ; XXX buys to NDM's guidelines, we don't require this, please clear.; | 04/10/2026 | Required Affiliated Business Disclosure Documentation Provided.; Required Affiliated Business Disclosure Documentation Provided. | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.19% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Resolved | XXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/09/2026 | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; Proof of Intent to Proceed has been provided. The intent to proceed is missing.; Proof of Intent to Proceed has been provided. The intent to proceed is missing.; Proof of Intent to Proceed has been provided. The intent to proceed is missing. | 04/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.19% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Provide homeownership counseling disclosure that was provided to the consumer within XXX-business day of application, XX/XX/XXXX. | ; Document Uploaded. ; Documentation received, XXX to review.; borrowers are not XXX time buyers, this is not required, please clear; | 04/09/2026 | Homeownership Counseling Disclosure Is Present or XXX | 04/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.19% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Resolved | XXX | Compliance | TRID: Missing Loan Estimate | The loan failed the loan estimate delivery date test (prior to consummation) (12 CFR 1026.19 - 1026.19(e) (5) (ii)). The initial and /or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cure by providing the initial and any revised Loan Estimates that were issued to the consumer. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/20/2026 | LEs provided; exception resolved | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.19% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | ; Document Uploaded. ; Documentation received, XXX to review.; please see new loan docs uploaded for all those conditions; | 03/20/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved; ; | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.19% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/06/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX for XXX XXX Expanded Bank Statement program v12 | ; Please waive for B grade. Comp factors: FICO XXX / DTI below Max / Low LTV; XXX buys to NDM's guidelines and we don't require this, kindly check with your management to avoid any further similar conditions, please clear.; | 03/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DTI below Max / Low LTV | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.19% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. | ; Document Uploaded. Uploaded in loan package - DD to review.; In loan package. DD to review. Pages XXX-XXX; | 03/11/2026 | Borrower 2 Credit Report is not missing.; Loan file provided rechecked, credit report was missing | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.19% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. | ; Document Uploaded. Uploaded in loan package. DD to review.; ; In loan package. DD to review. Pages XXX-XXX; | 03/11/2026 | Borrower 1 Credit Report is not missing.; Loan file provided rechecked, credit report was missing | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.19% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042652 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | ; Document Uploaded. DD - Please waive for B Grade. Exception Approval Provided. Comp Factors: XXX% DTI; XXX FICO; XXX per montXXXth residual income (will cover reserve shortage); Post close exception has been approved. Please note there will be pricing hit of XXX applied for exception.; Updated shortage is : XXX reserves. XXX to review exception after DD update.; DD to review upload ACCT XXX Transactions XXX.; Document Uploaded. ; Discrepancy with DD on Reserves based on Audited assets verified. Reached out for clarification - Exception still pending. Appears reserve shortage is XXX for XXX mos PITIA for each REO.; XXX to review for Exception. Pending Review.; Document Uploaded. Good afternoon, please see XXX Exception Request. Thank you~ ; Documentation received, XXX to review.; ; Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. DLC XXX-XXX: Uploaded XXX to XXX TPO condition and provided the following details with asset breakdown: $XXX: Cash to Close XXX + Reserves (XXX mths) XXX (XXX\*XXX) Verified assets are as follows: XXX #XXX = XXX XXX #XXX = XXX XXX #XXX = XXX Totals XXX minus cash to close XXX =XXX more than enough for reserves; Documentation and comment received, XXX to review.; | 04/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI; XXX FICO; XXX per montXXXth residual income (will cover reserve shortage).; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.; Discrepancy with DD on Reserves based on Audited assets verified. Reached out for clarification - Exception still pending. Appears reserve shortage is XXX for XXX mos PITIA for each REO.; Exception requested from Seller. XXX to review.; Updated account Statement received, however reserves are still short. Sufficient reserves provided for the XXX months for the subject property, however still short for the XXX additional months for each other property as required per guidelines; Difference in reserves is due to account with XXX Bank #XXX. Balance on Statement dated XX/XX/XXXX is XXX resulting in the shortage of funds. Updated Statement showing balance of XXX not in file.; Difference in reserves is due to account with XXX Bank #XXX. Balance on Statement dated XX/XX/XXXX is XXX resulting in the shortage of funds. Updated Statement showing balance of XXX not in file. | 04/28/2026 | 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 LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> C<br> B<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | ; XXX to review for Exception. Pending Review.; Documentation received, XXX to review.; Document Uploaded. Hello, please see XXX exception request, thank you. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation and comment received, XXX to review.; Document Uploaded. Hello: $XXX: Cash to Close XXX + Reserves (XXX mths) XXX (XXX\*XXX) Verified assets are as follows: XXX #XXX = XXX XXX #XXX = XXX XXX #XXX = XXX Totals XXX minus cash to close XXX =XXX more than enough for reserves; | 04/24/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Exception requested from Seller. XXX to review.; Updated account Statement received, however reserves are still short. Sufficient reserves provided for the XXX months for the subject property, however still short for the XXX additional months for each other property as required per guidelines; Difference in reserves is due to account with XXX Bank #XXX. Balance on Statement dated XX/XX/XXXX is XXX resulting in the shortage of funds. Updated Statement showing balance of XXX not in file. | 04/24/2026 | 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 LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> C<br> B<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | ; ; Document Uploaded. ; Documentation received, XXX to review.; | 03/25/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 03/25/2026 | 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 LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> C<br> B<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property is not in "rent ready" condition. Appraiser notes multiple items for repair, such as potential mold, missing ceiling tiles and peeling wall paper. Items would need to be corrected prior to renting. | ; ; ; ; Please waive for Grade B- Comp Factors- DSCR XXX FICO- XXX Borrower is an experienced XXX has XXX investment properties.; This was cleared; ; Document Uploaded. ; So yes the appraisal was subject to the deck railing – 1004D confirms that safety issue was corrected We also identified mold – pictures provided to show the drywall was replaced – this was not a 1004D item we have pictures and the bathroom in basement is now available for use and this is also in the basement this is below grade and XXX house that's not even a bathroom they should be considering in this finding. Everything above grade is move in ready. ; | 03/19/2026 | Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: DSCR XXX FICO- XXX Borrower is an experienced XXX has XXX investment properties.; Mold issues resolved by documentation received, missing evidence that missing ceiling tiles and peeling wall paper were addressed. | 05/29/2026 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Less than XXX months of assets provided from XXX Bank. | ; ; DD to re-review. Statements provided in loan package from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX for XXX #XXX as required.; | 04/20/2026 | Asset Qualification Meets Guideline Requirements | 04/20/2026 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039749 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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). Cure required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase in Credit Services Fee from XXX to XXX on the final CD dated XX/XX/XXXX without a valid COC in file. Tolerance cure on the final CD was applied to the Appraisal Final Inspection Fee. Please provide a valid COC or cure package. | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. Cure was given at closing. Please see bottom of page XXX of the attachment. This should cover the last two suspense items.; Documentation and comment received, XXX to review.; ; ; ; ; ; ; Document Uploaded. This should cover both XXX conditions. ; Documentation received, XXX to review.; ; ; ; | 04/22/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Please provide proof of delivery for cure package, once received the exception will be cured. ; The appraisal inspection fee was added on CD XX/XX/XXXX without a COC, UCDP report shows appraisal was reviewed XX/XX/XXXX and Final Inspection was completed XX/XX/XXXX, neither of which are within XXX days of when the final inspection fee was added. Due to this XXX of the cure on the final CD was applied to the addition of the final inspection fee. The XXX XXX of the cure has been applied to the increase of the credit services fee on CD XX/XX/XXXX leaving a XXX cure required of $XXX. Please provide valid COC or cure package. ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; The document provided does provide a reason however does not include a date the changes were requested. Please provide date of change request to confirm re-disclosure was provided timely. ; | 04/22/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409039749 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 n 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). Cure required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase in the Recording Fee on the final CD dated XX/XX/XXXX without a valid COC. Tolerance cure on the final CD was used for the Final Inspection Fee. Please provide a valid COC or cure package. | ; ; Documentation received in XXX review.; ; ; ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; Please see the other suspense condition. Cure was given at closing. Please see bottom of page XXX of the attachment.; Document Uploaded. Documentation and comment received, XXX to review.; ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; | 04/22/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; No new uploads provided, please re-upload documents.; Please provide proof of delivery for cure package, once received the exception will be cured. ; The appraisal inspection fee was added on CD XX/XX/XXXX without a COC, UCDP report shows appraisal was reviewed XX/XX/XXXX and Final Inspection was completed XX/XX/XXXX, neither of which are within XXX days of when the final inspection fee was added. Due to this XXX of the cure on the final CD was applied to the addition of the final inspection fee. The XXX XXX of the cure has been applied to the increase of the credit services fee on CD XX/XX/XXXX. No cure was available to apply to the increase in the recording fee on CD XX/XX/XXXX. Please provide valid COC or cure package for $XXX.; The document provided does provide a reason however does not include a date the changes were requested. Please provide date of change request to confirm re-disclosure was provided timely. ; | 04/22/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409039749 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Loan does not conform to program guidelines | Lender excluded prior residence on refinance property. Departing residence exclusion only applicable to purchases. Lender approved exception noted but not documented in file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | Guidelines met per XXX provided. | 03/30/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409040973 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. XXX.) Appraiser listed the occupancy as XXX occupied, should be tenant. XXX.) Rear view photo shows a XXX up window or door, no explanation/cost to cure. | ; ; Documentation received, XXX to review.; Document Uploaded. The bordered up window seems to be for the neighboring property ; ; | 04/10/2026 | Update appraisal received showing tenant occupied and addresses the XXX up window being for neighboring property. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040973 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing XXX XXX XXX asset Statements, we did get these Statements in the related files but not this one. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/01/2026 | Asset Record XXX Meets G/L Requirements | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040967 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal front photo appears to show missing XXX panels. Appraisal rear photo shows crack lines in the brick, blackened brick, leaning fence, and possible roof issues on the structure & the porch. No comments/explanation from appraiser on these apparent deferred XXX items. | Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | The issue with the property has been resolved.; Client provided Invoices for Repairs, Photos of Repairs and Roof Certification dated XX/XX/XXXX stating: Based upon the inspection of a qualified roofer XXX by this firm and upon his recommendation, roof inspection and/or repairs have been completed in a workmanlike manner at the above certification address. Upon completing inspection and/or repairs, roof covering is deemed in satisfactory condition with no evidence of leaks. Roof inspections are accomplished by observing visible elements while walking over roof surface. The inspector is concerned only with what he can see at that time. LM Updated. ; Trailing XXX on pg XXX or the report – Subject rated C3/Q4; however, the rear photo indicates a potential safety concern. A crack appears to originate at the top of the roofline, extends vertically downward, and then angles toward the deteriorating roof structure over the porch. Recommend masoXXXy and roof inspections. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040967 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Need explanation for the XXX transfer/deposit on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/26/2026 | Asset Record XXX Meets G/L Requirements | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040960 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing: formation documents. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 05/13/2026 | Certificate of Formation received. | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409040960 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The rear photo appears to be of the adjacent/end unit property XXX not the subject XXX. Front photo shows the adjacent end unit with some missing siding, subject unit clearly shows the address numerals XXX and is one unit over from the end unit. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | The issue with the property has been resolved.; LOE was provided, Units are narrow, property was properly photographed. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409040960 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Need explanation of the XXX transfer/deposit on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/26/2026 | Asset Record XXX Meets G/L Requirements | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Missing lease agreement for subject property. Per XXX XXX DSCR guidelines, lease agreements required on refinance transactions. | ; Documentation received, XXX to review.; Document Uploaded. see XXX leases for all three units. XXX LT and XXX ST.; ; | 03/31/2026 | Client provided lease agreements for XXX units. LM Updated. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Rescinded | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. No escrow account established per XXX payment letter in file. | ; Finding not valid. Escrows collected per payment letter and settlement Statement; XXX may review for exception; | 03/11/2026 | Per XXX payment letter, escrow account established. | 03/11/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Waived | XXX | Credit | Loan does not conform to program guidelines | Per XXX XXX DSCR guidelines, prepayment penalties are not permitted in XXX. | ; Document Uploaded. DD to waive for B Grade. Approved Exception XXX - Comp Factors: XXX FICO; XXX PITIA reserves; XXX DSCR; ; XXX to review for exception. Please note there maybe impact to pricing if exception able to be approved. - DD to reopen finding; Prepayments are legal on Commercial Loans in DE.; ; Comment received, XXX to review.; prepayment penalties are legal on commercial loans in XXX.; | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XXX PITIA reserves; XXX DSCR; XXX to review for an exception on a commercial transaction where the property is located in XXX and the Secured Commercial Promissory Note discloses a PPP.; Per XXX XXX DSCR guidelines, PPP is not permitted in the State of XXX. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Waived | XXX | Credit | Loan does not conform to program guidelines | Loan contains a prepayment penalty and property is in XXX. Per XXX DSCR guidelines, prepayment penalties are not permitted in XXX. | ; Document Uploaded. DD to waive for B Grade. Approved exception XXX. Comp Factors: XXX mos PITIA reserves; XXX FICO; XXX DSCR; ; XXX to review for exception. Exception entered and pending review. Please note maybe impact to pricing. - DD to reopen finding pending exception review.; To reiterate on this, in XXX, prepayment penalties are prohibited on loans to individuals - but are permitted on loans to LLCs. The borrower on this loan is an LLC, so there should be no restriction. ; comment received, XXX to review.; prepayment penalties are legal on commercial loans in XXX.; | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX mos PITIA reserves; XXX FICO; XXX DSCR; XXX to review for exception. Exception entered and pending review. Please note maybe impact to pricing. - DD to reopen finding pending exception review.; Per XXX XXX DSCR guidelines, PPP is not permitted in the State of XXX. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041518 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Waived | XXX | Credit | Loan does not conform to program guidelines | Loan contains a prepayment penalty and property is located in XXX. Per XXX XXX DSCR guidelines, prepayment penalties not permitted in XXX. | ; Document Uploaded. DD to waive for B Grade. Approved Exception XXX. Comp Factors: XXX FICO; XX/XX/XXXX mos PITIA reserves; XX/XX/XXXX DSCR; ; XXX to review for exception. Please note there maybe impact to pricing; To reiterate on this, in XXX, prepayment penalties are prohibited on loans to individuals - but are permitted on loans to LLCs. The borrower on this loan is an LLC, so there should be no restriction. ; Comment received, XXX to review.; prepayment penalties are legal on commercial loans in XXX.; | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XX/XX/XXXX mos PITIA reserves; XX/XX/XXXX DSCR; XXX to review for an exception on a commercial transaction where the property is located in XXX and the Secured Commercial Promissory Note discloses a PPP.; Per XXX XXX DSCR guidelines, PPP is not permitted in the State of XXX. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete The Note does not contain payment amounts for the IO period or the fully amortized period. | ; Documentation received, XXX to review.; Document Uploaded. see XXX XXX payment letter. ; | 04/01/2026 | Client provided XXX Payment Letter reflecting XXX P&I. LM Updated.; The Note is Present | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Rescinded | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; ; Finding not valid. Escrows collected for tax and insurance (impounds on settlement) and Stated on payment letter.; XXX may review for exception. Please note there will be impact to pricing if post close exception approved. | 03/31/2026 | 1st payment letter shows account is escrowed. | 03/31/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller credit total XXX and closing costs total $XXX. | ; Document Uploaded. ; DD to waive for B Grade. Exception was approved. Comp Factors: XXX DSCR; XXX FICO; XXX mos PITIA reserves; Hello, please review this on a XXX% ; ; Exception approved- please waive finding.; XXX may review for exception up to XXX% - Please note there maybe pricing adjustment if exception approved.; | 03/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR; XXX FICO; XXX mos PITIA reserves; Please provide compensating factors for XXX approved exception. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Two months most recent Statements required per XXX XXX guidelines. The loan file only contains one month for XXX # XXX in file from XX/XX/XXXX. | ; ; DD to waive for B Grade. Fine to proceed as long as minimum of XXX month bank Statement documented for assets used to qualify after review with XXX team. Comp Factors: XXX DSCR; XXX FICO; XXX mos PITIA reserves; | 03/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR; XXX FICO; XXX mos PITIA reserves | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; ; Comment received, XXX to review.; NDM does not require business narrative please clear; | 04/02/2026 | Required Affiliated Business Disclosure Documentation Provided; provide an attestation that either States the lender has no affiliates or no referral of business was made affiliates | 04/02/2026 | 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<br> D<br> B<br> A | D | A<br> D<br> B | D<br> B | D<br> B | D<br> B | D<br> B | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/06/2026 | Resolved | XXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/02/2026 | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; Proof of Intent to Proceed has been provided. The intent to proceed is missing.; Proof of Intent to Proceed has been provided. The intent to proceed is missing.; Proof of Intent to Proceed has been provided. The intent to proceed is missing. | 04/02/2026 | 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<br> D<br> B<br> A | D | A<br> D<br> B | D<br> B | D<br> B | D<br> B | D<br> B | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/06/2026 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; | 03/28/2026 | Homeownership Counseling Disclosure Is Present or XXX | 04/02/2026 | 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<br> D<br> B<br> A | D | A<br> D<br> B | D<br> B | D<br> B | D<br> B | D<br> B | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/16/2026 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 file is missing a copy of the SSPL, all fees were included in the XXX% tolerance category. 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 file is missing a copy of the SSPL, all fees were included in the XXX% tolerance category. 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 n 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). 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 n 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). Document Uploaded. Document Uploaded. SSPL provided; exception resolved SSPL provided; exception resolved | ; Documentation received, XXX to review.; ; ; ; | 03/25/2026 |  | 03/25/2026 | 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<br> D<br> B<br> C<br> A | D | A<br> D<br> B | D<br> B | D<br> B | D<br> B | D<br> B | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program v12 | ; Please waive for B grade: Comp factors: Fico XXX / Low DTI / Excellent reserves; XXX buys to NDM's guidelines and we don't require this. please clear and refer to management for correct guidelines; | 03/20/2026 | Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Fico XXX / Low DTI / Excellent reserves | 03/20/2026 | 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<br> D<br> B<br> A | D | A<br> D<br> B | D<br> B | D<br> B | D<br> B | D<br> B | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/06/2026 | Resolved | XXX | Property | Condo Approval Missing | Condo Approval Missing. Condo Approval Missing. | ; Documentation received, XXX to review.; please review; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/20/2026 | Condo Approval is provided.; Client provided Condo Questionnaire. However, Condo Approval Missing. | 03/20/2026 | 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<br> D<br> B<br> A | D | A<br> D<br> B | D<br> B | D<br> B | D<br> B | D<br> B | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | TRID: Missing Loan Estimate | This loan failed the loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial LE and Written List of Service Providers and any revised Loan Estimates that were issued to the consumer. Additional compliance testing to be conducted upon receipt. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/16/2026 | LEs provided; exception resolved | 03/16/2026 | 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<br> D<br> B<br> A | D | A<br> D<br> B | D<br> B | D<br> B | D<br> B | D<br> B | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Additional compliance testing to be conducted upon receipt. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/16/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 03/16/2026 | 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<br> D<br> B<br> C<br> A | D | A<br> D<br> B | D<br> B | D<br> B | D<br> B | D<br> B | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041722 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Unit XXX contains square footage of XXX which is below the XXX permitted per guidelines. Subject has XXX units that are XXX on one lot. XXX if any comps are similar, XXX units. | ; ; Please waive for B grade - XXX granted exception. Comp factors: FICO XXX / Low LTV 56.52% / Went through pre-close appraisal review / XXX history.; ; ; ; ; ; ; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / Low LTV 56.52% / Went through pre-close appraisal review / XXX history. | 04/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.52% is less than Guideline CLTV of 70% \| 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 56.52% is less than Guideline LTV of 70%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 n 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 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 in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording fees. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; Document Uploaded. Please review XXX PCCD and confirm it is accurate, if so, the borrower will request the check for XXX to borrower. ; ; ; ; | 04/06/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; PCCD with cure provided, please provide a copy of the cure check and verification of package delivery. | 04/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 80% \| 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 66.67% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Unit XXX is XXX sq ft, which is less than minimum required for XXX XXX DSCR guidelines (XXX sq ft) | ; Document Uploaded. Please place a rush on this review, the second appraisal was upld on XX/XX/XXXX, the XXX report was sent to your Acct rep on XX/XX/XXXX also. Thanks; Second Appraisal is pending review per Acct Rep; Documentation received, XXX to review.; ; ; Document Uploaded. ; Documentation received in XXX review.; ; Document Uploaded. Uploaded exception request for square footage.; DD to re-open condition - \*\*\* UPDATED XX/XX/XXXX - Exception can not be considered without at least one comp with a comparably sized unit. ; ; | 04/21/2026 | Second appraisal provided to support value with similar comps. ; Property/Appraisal Meets Guidelines; ; ; ; Appraiser to provide an updated appraisal report including at least one comparably sized comparable to Unit XXX (XXX sq ft). | 04/21/2026 | 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 68.92% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.92% is less than Guideline LTV of 80%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | ; Document Uploaded. ; ; Documentation received in XXX review.; Document Uploaded. ; ; | 04/17/2026 | Third party valuation product provided within tolerance.; Provide a Field Review due to CDA is not within program guidelines. | 04/21/2026 | 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 68.92% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.92% is less than Guideline LTV of 80%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/17/2026 | Flood Insurance Policy is fully present; Client provided Flood Cert. LM Updated. | 03/17/2026 | 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 68.92% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.92% is less than Guideline LTV of 80%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. | ; Documentation received, XXX to review.; Document Uploaded. please see XXX to show completed; ; | 04/01/2026 | The issue with the property has been resolved.; Smoke detectors/carbon monoxide detectors installed; ; The appraiser identified missing smoke and carbon monoxide alarms with a cost to cure of XXX and noted that the lender is to follow through to ensure these items get met. The loan file does not contain evidence that these items have been installed. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041807 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program v XX/XX/XXXX | ; Waive for B Grade. Meets seller guidelines being accepted by XXX Comp Factors: DTI XXX% / LTV 62.43% / Stable job; ; | 04/20/2026 | Waived per client. Client accepts risk of B grade and acknowledges the following compensation factors for this purpose: DTI XXX% / LTV 62.43% / Stable job | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.43% is less than Guideline LTV of 80% \| 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 62.43% is less than Guideline CLTV of 80% \| 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification the following mortgages are current XXX #XXX, #XXX, #XXX, #XXX and XXX #XXX Statements provided reflects XX/XX/XXXX payments made. Missing evidence of XX/XX/XXXX mortgage payments. Subject loan closed XX/XX/XXXX and XXX DSCR v13 guidelines require housing history reflect XXX. | ; Document Uploaded. ; Documentation received, XXX to review.; ; | 03/31/2026 | Housing History Meets Guideline Requirements; Client provided Current Mortgage Statement for each Mortgage listed reflecting current and on time payments. LM Updated. | 03/31/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Lender exception provided for Borrower wanting to waive escrow/impound reserves requirement. Compensating factors: XXX cash out proceeds cover over XXX months of tax and insurance payments; XXX FICO; No Mortgage Lates; 60% LTV; Property currently tenant occupied; experienced XXX | ; | 03/31/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX cash out proceeds cover over XXX months of tax and insurance payments; XXX FICO; No Mortgage Lates; 60% LTV; Property currently tenant occupied; experienced XXX. | 03/31/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Preliminary title report XX/XX/XXXX does not reflect title coverage amount. Provide title report covering loan amount coverage of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Loan does not conform to program guidelines | The subject property was purchased XX/XX/XXXX, and it does not meet the XXX month seasoning requirement for a cash-out refinance. | ; Back to DD to review for delayed financing.; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. please see XXX matrix and clear... thank you,; | 04/22/2026 | Property reviewed for delayed financing. Meets delayed financing criteria per XXX XXX DSCR guidelines. ; ; Nations direct matrix received however per XXX XXX DSCR guidelines, The subject property was purchased XX/XX/XXXX, and it does not meet the XXX month seasoning requirement for a cash-out refinance. | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.57% is less than Guideline LTV of 70% \| 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 59.57% is less than Guideline CLTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. No escrow account established per XXX payment letter in file. | ; Waive for B Grade. Meets seller guidelines being accepted by XXX - Comp Factors: Fico XXX / DSCR >XXX / Low LTV 61.32% ; ; Comment received, XXX to review.; XXX buys to NDM's guidelines please clear; ; ; | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose Fico XXX / DSCR >XXX / Low LTV 61.32% ; XXX to review for XXX exception. | 04/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.57% is less than Guideline LTV of 70% \| 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 59.57% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040621 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject is identified as rural per XXX. | ; ; | 04/06/2026 | Client approved an exception to guidelines for rural property per XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX FICO XXX LTV/CLTV XX/XX/XXXX. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040621 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Good Standing Verification present however not dated to verify within XXX days of Note date. Provide updated Good Standing documentation. | ; Documentation received, XXX to review.; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; | 04/06/2026 | ; ; Business entity documentation provided, however certificate of good standing within XXX days of note was missing. Good Standing certificate was provided, however was not dated. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040621 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Provide Business Purpose Affidavit/Disclosure not contained in loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | Business Purpose Affidavit/Disclosure Provided | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040621 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Provide explanation and documentation to support large deposit in XXX account ending XXX for the amounts of XXX dated XX/XX/XXXX and XXX dated XX/XX/XXXX. Not contained in loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/31/2026 | LOX received. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; ; Please waive - XXX exception granted. Comp factors: FICO XXX / DSCR >XXX / Over XXX mo reserves documented in business funds; ; ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR >XXX / Over XXX mo reserves documented in business funds | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller Credit of of XXX exceeds XXX% maximum of XXX | ; ; | 04/23/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO and DSCR. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Please provide evidence of six months rent loss insurance. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; | 04/23/2026 | Documentation provided is sufficient. Exception resolved.; Rent Loss Coverage Present; Provide documentation from the XXX verifying whether the rent loss coverage is defined by a coverage duration (in months) or a specified dollar limit.; Insurance documentation received, confirms Loss of Rental Value coverage, however does not State the amount of coverage. XXX guidelines require minimum of XXX months coverage. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Please provide evidence that borrower(s) is XXX% XXX of XXX and have full access to funds to XXX Bank #XXX Business Account (XXX). | ; Documentation and comment received, XXX to review.; Document Uploaded. Were the Articles of Incorporation acceptable? Please see additional communication for ownership of XXX XXX.; ; Documentation received, XXX to review.; Document Uploaded. Here is proof of ownership percentage. I'll be reaching out to our team regarding the signature card from the bank.; | 04/20/2026 | Asset Qualification Meets Guideline Requirements.; Asset Qualification Does Not Meet Guideline Requirements; FBN and Formation documentation provided showing borrower is XXX% XXX of XXX XXX. Pending Signature Card from bank. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Missing required two months Statements for asset documentation. One months Statement was provided for XXX Banks #XXX, XXX dated XX/XX/XXXX. | ; ; ; Document Uploaded. I still owe you the 2nd Statement for XXX XXX There is a gap in the Statements we have.; ; | 04/20/2026 | The required number of months reserves are to be seasoned does meet Guideline requirement.; Statement from XX/XX/XXXX provided. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; ; ; ; Comp Faction: XXX DSCR; XXX FICO; Appraisal value XXX ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/21/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR; XXX FICO; Appraisal value XXX months PITIA reserves.; XXX provided showing exception was approved. Missing at least XXX compensating factors. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Comp Faction: XXX DSCR; XXX FICO; Appraisal value XXX ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR; XXX FICO; Appraisal value XXX months PITIA reserves.; XXX provided showing exception was approved. Missing at least XXX compensating factors. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Provide LLC executed W-XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/16/2026 | Client provided Business Purpose & Occupancy Affidavit. LM Updated. | 03/16/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Lender Third Party Fraud Report with all high alerts cleared. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/16/2026 | Third Party Fraud Report is provided; Client provided Fraud Report X. LM Updated. | 03/16/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 for Mortgage Recording. COC in the file does not reference this decrease. | Document Uploaded. Please see uploaded document. Cure packet | 03/18/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 03/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.61% is less than Guideline LTV of 85% \| 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 28.61% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 n 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 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 in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee. COC in the file reflects loan is a CEMA; however, the document is cut off and there is no date to reference. | Document Uploaded. Please see uploaded document, CIC regarding the recording fee changes. ; Please note, the XX/XX/XXXX LE fees expired on XX/XX/XXXX. The recording fees changed and were disclosed on XX/XX/XXXX. The fee would not be subject to XXX% testing after the expiration date. | 03/17/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; The file contained a signed intent to proceed on XX/XX/XXXX, therefore the LE did not expire after XXX days | 03/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.61% is less than Guideline LTV of 85% \| 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 28.61% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.61% is less than Guideline LTV of 85% \| 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 28.61% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.61% is less than Guideline LTV of 85% \| 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 28.61% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044564 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044564 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044564 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044504 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | 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 16.78% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 16.78% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044504 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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 16.78% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 16.78% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044504 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | 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 16.78% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 16.78% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure with supporting list Is Missing | Document Uploaded. Please see the XXX housing counseling list. | 03/12/2026 | Homeownership Counseling Disclosure Is Present or XXX | 03/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.88% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.88% 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 \| 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%<br> C<br> A<br> B | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 409044530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | Income/Employment General | Business Narrative Form is missing. As per the guidelines the document is required. | Please see page XXX which is a business narrative completed by the borrower's bookkeeper. | 03/12/2026 | Business Narrative provided. | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.88% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.88% 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 \| 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%<br> C<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 409044530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.88% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.88% 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 \| 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%<br> C<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 409044544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Rescinded | XXX | Credit | Asset General | Missing XXX% access letter for XXX Account XXX. | Document Uploaded. Please see the XXX guideline confirming that the access letter/VOD is only required when the borrower is not listed on the account. Borrower is named on the account so an access letter is not required. | 03/12/2026 | Borrower listed on account, per joint account eligibility guideline section an access letter is not required. | 03/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Rescinded | XXX | Credit | Missing Deed of Trust Riders | Missing Foreclosure Disclosure Rider reflected as required on the Security Deed. | Please refer to page XXX for the rider. | 03/12/2026 | Verified Foreclosure disclosure signed by the borrower. Condition rescinded. | 03/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 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 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 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 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044450 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is Missing | Document Uploaded. Please see the XXX initial escrow disclosure. | 03/13/2026 | Initial Escrow Account Disclosure is Resolved | 03/14/2026 | 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.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044450 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Compliance | Qualified Mortgage Safe Harbor Threshold | Loan is a Higher Priced Covered Transaction Loan | Please clear this waterfall exception once the initial escrow disclosure is reviewed and cleared. | 03/13/2026 |  |  | 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.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044450 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044450 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.49% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.49% is less than Guideline LTV of 85% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.49% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.49% is less than Guideline LTV of 85% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.49% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.49% is less than Guideline LTV of 85% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.09% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.09% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.09% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.09% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.09% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.09% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044458 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Cured | XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel | Please see the H9 RoR package XXX. The new rescission period expired last night at midnight | 03/19/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 03/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.39% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.39% is less than Guideline LTV of 90%<br> D<br> B<br> C<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044458 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Cured | XXX | Compliance | Incorrect rescission model used - RTC form model H-XXX 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 The incorrect rescission form was completed - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance. Per Title Commitment, original lender is the same as Note (True Path Loans). | Document Uploaded. Please see the H9 RoR package XXX. The new rescission period expired last night at midnight | 03/19/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 03/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.39% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.39% is less than Guideline LTV of 90%<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044458 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Acknowledged | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | Unable to Resolve-Seller acknowledges exception, no change in grading | 03/16/2026 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change in grading | 03/16/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.39% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.39% is less than Guideline LTV of 90%<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044458 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.39% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.39% is less than Guideline LTV of 90%<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044458 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.39% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.39% is less than Guideline LTV of 90%<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 $xx x; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Transfer Taxes on the CD dated XX/XX/XXXX without a valid COC. | Document Uploaded. Please see the XXX changed circumstance for the loan amount change that took place on XX/XX/XXXX, which increased two different transfer taxes. | 03/12/2026 | Received valid COC - exception resolved; Received valid COC - exception resolved | 03/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.08% is less than Guideline LTV of 90% \| 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 42.08% is less than Guideline CLTV of 90%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.08% is less than Guideline LTV of 90% \| 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 42.08% is less than Guideline CLTV of 90%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.08% is less than Guideline LTV of 90% \| 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 42.08% is less than Guideline CLTV of 90%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Cured | XXX | Compliance | Incorrect rescission model used - RTC form model H-XXX 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 The incorrect rescission form was completed - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance. Per Title Commitment, the original lender is XXX Mortgage. | Document Uploaded. Please see the H9 rescission package XXX. New period expired last night at midnight. THank you | 03/19/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 03/20/2026 | 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%<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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%<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has 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%<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy as subject property is a Condo Missing HO-6 Master Insurance Policy as subject property is a Condo | Document Uploaded. Please see the XXX master policy. | 03/12/2026 | HO-6 Master Insurance Policy is fully present | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.38% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.38% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | B | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Acknowledged | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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)). There is no evidence of Appraisal delivery to the borrower at least XXX business days prior to the consummation date of XX/XX/XXXX. | Unable to Resolve-Seller accepts; no change to grading. | 03/12/2026 | Confirmed : Unable to Resolve-Seller accepts; no change to grading. | 03/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.38% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.38% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | B | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.38% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.38% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | B | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | 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:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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 XXXl. The revised LE issued XX/XX/XXXX was provided less less than seven business days prior to the consummation date of XX/XX/XXXX. | Document Uploaded. Please see the XXX evidence the LE was acknowledged by the borrower online. | 03/12/2026 | Received Final LE receipt date - exception resolved; Received Final LE receipt date - exception resolved | 03/14/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Borrower 1 Photo Identification not provided. | Document Uploaded. Please see the XXX identification. | 03/13/2026 | Photo Identification provided. | 03/16/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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 80% is less than Guideline CLTV of 90%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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 80% is less than Guideline CLTV of 90%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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 80% is less than Guideline CLTV of 90%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044471 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044471 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044471 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044473 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Acknowledged | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | Unable to Resolve-Seller acknowledges the exception, no change to grading. | 03/12/2026 | Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading. | 03/12/2026 | 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%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044473 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has 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%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044473 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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%<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044535 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. | Document Uploaded. Please see uploaded document. Condo information as requested. | 03/12/2026 | Condo Approval is provided. | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.48% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 34.48% is less than Guideline LTV of 75% \| 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.<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409044535 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.48% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 34.48% is less than Guideline LTV of 75% \| 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.<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409044535 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.48% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 34.48% is less than Guideline LTV of 75% \| 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.<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409044524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.4% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.4% is less than Guideline CLTV of 90% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.4% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.4% is less than Guideline CLTV of 90% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.4% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.4% is less than Guideline CLTV of 90% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 to XXX on CD XX/XX/XXXX. Difference represents a reduction in the lender paid amount towards the Appraisal fee. | Document Uploaded. please see XXX | 03/18/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 03/19/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.02% is less than Guideline LTV of 85% \| 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 67.02% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.02% is less than Guideline LTV of 85% \| 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 67.02% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.02% is less than Guideline LTV of 85% \| 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 67.02% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044478 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Final 1003 captures HOA fees in the amount XXX provide verification or proof | Document Uploaded. There are no HOA dues. Please see XXX 1003 and XXX confirming there are no HOA dues on the SFR. | 03/12/2026 | Lender provided revised 1003 and XXX removing HOA. | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.91% is less than Guideline LTV of 90% \| 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044478 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.91% is less than Guideline LTV of 90% \| 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044478 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.91% is less than Guideline LTV of 90% \| 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044479 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 The lender credit decreased from XXX on the initial CD to XXX on the final CD dated XXX. Cure package requires a PCCD or proof of refund check to the borrower in the amount of $XXX. | Document Uploaded. Please see the XXX valid changed circumstance, for the loan amount changed which decreased lender credits. | 03/12/2026 | Valid COC received - exception resolved; Valid COC received - exception resolved | 03/14/2026 | 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 72.52% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.52% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044479 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.52% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.52% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044479 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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 72.52% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.52% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of HOA dues for the subject property supporting annual amount of XXX Lender to evidence the HOA dues for the subject property to complete audit. | Please see page one of the appraisal found on page XX/XX/XXXX. The Special assessment is XXX annually. | 03/12/2026 | HOA dues of XXX per month reflected in appraisal. Condition cleared.; The appraisal in the loan file shows XXX per year. Please advise. | 03/16/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044552 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.44% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.44% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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 74.44% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.44% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.44% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.44% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 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 74.34% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.34% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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 74.34% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.34% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 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 74.34% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.34% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044484 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044484 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044484 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044485 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044485 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044485 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| 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 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| 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 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| 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 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | 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:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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 XXXl. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was XXXled, 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 loan estimate at least XXX business days prior to consummation. | Document Uploaded. Please see the XXX loan estimate verification. Website FYi is the date/time the borrower acknowledged the loan estimate, and the outstanding status is the date/time the document was prepared/disclosed. | 03/12/2026 | Received final LE receipt date - exception resolved; Received final LE receipt date - exception resolved | 03/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.61% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.61% is less than Guideline LTV of 90% \| 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.61% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.61% is less than Guideline LTV of 90% \| 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.61% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.61% is less than Guideline LTV of 90% \| 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044495 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044495 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044495 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.47% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.47% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | 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 69.47% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.47% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.47% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.47% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041877 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property has health and safety concerns. Appraiser indicates bars on windows without quick releases and staining in bathroom with remediation recommended. | ; Document Uploaded. appraiser comments reflects windows with bars have alternate egress therefore there is no health and safety issues. Provided additional documentation and inforXXXton on the bathroom. ; Documentation and comment received, XXX to review.; ; | 03/25/2026 | Property/Appraisal Meets Guidelines; Additional inspection received for mold remediation Appraisal indicates alternative egress so no safety concerns for bars on windows. | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A | A | A | A | A | A |
| 409041877 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. | ; Document Uploaded. Documentation and comment received, XXX to review.; uploaded items under other issues identified from appraisal. Please clarify if there are more items I need to address. Thank you. ; ; | 03/25/2026 | The issue with the property has been resolved. | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A | A | A | A | A | A |
| 409041877 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Preliminary title report XX/XX/XXXX reflects title coverage of XXX which is less than subject lien of XXX Provide title report covering loan amount of XXX | ; Documentation received, XXX to review.; Document Uploaded. final title policy XXX reflecting note amount of $XXX.; | 03/18/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A | A | A | A | A | A |
| 409039250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/19/2026 | Evidence of appraisal delivery provided. | 03/19/2026 | 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 65% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409043432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Please waive. XXX exception approved. Comp factors: FICO XXX DSCR >XXX, Experienced XXX; ; | 03/18/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR >XXX, Experienced XXX | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Missing established escrow account as required per XXX XXX DSCR guidelines. UW Exception in file from XXX but no exception granted by XXX in file. | ; Please waive - XXX exception approved. Comp factors: FICO XXX DSCR >XXX, Experienced XXX; ; | 03/18/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR >XXX, Experienced XXX | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Evidence of appraisal delivery provided. | 03/25/2026 | 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 56.12% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.12% is less than Guideline LTV of 75%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing business narrative as required by XXX Expanded Bank Statement program. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Business narrative received. | 03/25/2026 | 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 56.12% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.12% is less than Guideline LTV of 75%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042146 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing the Business Narrative. | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; | 03/20/2026 | Client provided Business Narrative for the Borrower. LM Updated. | 03/20/2026 | 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.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409042146 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Final CD shows loan as assumable. Per note and mortgage, loan is not assumable. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/20/2026 | PCCD provided correcting assumablity | 03/20/2026 | 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.<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/24/2026 | Borrower 1 Executed XXX-T Provided | 05/12/2026 | 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%<br> D<br> A<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Borrower 2 Executed 4506-T Missing | Borrower 2 Executed 4506-T Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/24/2026 | Borrower 2 Executed XXX-T Provided or XXX (Number of Borrowers equals XXX) | 05/12/2026 | 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%<br> D<br> A<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Income 2 Months Income Verified is Missing | Income 2 Months Income Verified is Missing Missing income documentation (B1) to support VA benefits XXX per month., that was used to qualify. | ; Documentation and comment received, XXX to review.; Regarding the VA benefits. We followed their non-self-employment requirements for disability/retirement, which directs us to use the FNMA guidelines. FNMA says we can use the XXX VA letter. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/27/2026 | Income 2 Months Income Verified is Present Or XXX; Income 2 Months Income Verified is Missing | 05/12/2026 | 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%<br> D<br> A<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Only one month of asset documentation was provided for all bank Statements: XXX #XXX, #XXX, #XXX, and #XXX. | ; Documentation and comment received, XXX to review.; Bank Statements; ; Document Uploaded. ; Documentation received, XXX to review.; | 03/27/2026 | Asset Qualification Meets Guideline Requirements.; Asset Qualification Does Not Meet Guideline Requirements Two months Statements provided for accounts XXX and XXX Missing 2nd Statement for acct XXX | 03/27/2026 | 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%<br> D<br> A<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/27/2026 | Evidence of appraisal delivery provided. | 03/27/2026 | 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%<br> D<br> A<br> B<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | ; ; ; Document Uploaded. ; | 03/27/2026 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 03/27/2026 | 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%<br> D<br> A<br> B<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/27/2026 | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | 03/27/2026 | 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%<br> D<br> A<br> B<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 points on the Initial CD dated XX/XX/XXXX and increase from XXX to XXX for Appraisal Fee an the Revised LE dated XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/24/2026 | Valid COC(s) received - exception resolved; Valid COC(s) received - exception resolved | 03/24/2026 | 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%<br> D<br> A<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. Borrower's photo identification is not contained in the loan file. Please provide photo ID or an executed Patriot Act Form. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/24/2026 | Photo Identification provided. | 03/24/2026 | 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%<br> D<br> A<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Borrower's photo identification is not contained in the loan file. Please provide photo ID or an executed Patriot Act Form. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/24/2026 | Photo Identification provided. | 03/24/2026 | 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%<br> D<br> A<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per XXX Expanded v12 guidelines, Collateral Desktop Analysis (CDA) ordered from XXX, or a Consolidated Collateral Analysis (CCA) ordered from XXX is required to support the value of the appraisal. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/24/2026 | Third party valuation product provided within tolerance. | 03/24/2026 | 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%<br> D<br> A<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409039372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Occupancy Affidavit or Business Purpose Affidavit for Investment Purpose loan. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/24/2026 | Business Purpose Affidavit/Disclosure Provided | 03/24/2026 | 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%<br> D<br> A<br> C | C | A<br> D<br> C | C<br> D | C<br> D | C<br> D | C<br> D | C<br> A | A | A | A | A | A |
| 409040347 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification all XXX mortgages disclosed on the Supplement credit report dated XX/XX/XXXX are current. The mortgages are currently due for XX/XX/XXXX and XX/XX/XXXX. Missing evidence of XX/XX/XXXX & XX/XX/XXXX mortgage payments as the subject loan closed XX/XX/XXXX. XXX DSCR v13 guidelines require housing history reflect XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/19/2026 | Housing History Meets Guideline Requirements | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409041847 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Missing Lease Agreement | The appraisal identifies the subject to be tenant occupied, and guidelines require XXX residences to be occupied for refinances transactions, but a lease agreement was not provided. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/14/2026 | Client provided Lease agreement dated XX/XX/XXXX and XXX months cancelled checks from rent. LM Updated. | 04/14/2026 | 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 42.37% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.37% is less than Guideline LTV of 70%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409041847 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation for FNMA UCDP score over XX/XX/XXXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/14/2026 | Third party valuation product provided within tolerance.; Client provided XXX CDA. LM Updated. | 04/14/2026 | 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 42.37% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.37% is less than Guideline LTV of 70%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409041847 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Subject Property Address on Note does not match Insured Property Address | Subject Property on Note does not match Insured Property Address The insurance policy shows the address as XXX and the note shows it as XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/25/2026 | Subject Property on Note matches Insured Property Address | 03/25/2026 | 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 42.37% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.37% is less than Guideline LTV of 70%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042654 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | 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. Provide evidence of insurance in force at time of disbursement. | ; ; Documentation received, XXX to review.; Document Uploaded. hoi; ; | 04/17/2026 | Renewal certificate provided confirms prior policy dates of XX/XX/XXXX through XX/XX/XXXX. Current policy is effective XX/XX/XXXX through XX/XX/XXXX. Finding is resolved. ; Client provided Hazard Insurance with an Effective Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Provide evidence of insurance in force at time of disbursement. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040593 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Missing required XXX consent for community property State. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/24/2026 | Property Title Issue Resolved | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409041686 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Final CD shows loan as assumable. Per Note and Mortgage, loan is not assumable. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/08/2026 |  | 04/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409043835 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Subject GLA (XXX) is less than min required by lender XXX for SFR. | ; Document Uploaded. DD to waive for B Grade. Exception XXX.; Please review and advise on an exception; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / DSCR >XXX /XXX history /Experienced XXX. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043835 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Document Uploaded. DD to waive for B Grade. Exception XXX.; I just XXX the Team to check on an exception on this condition since it is ineligible :(; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / DSCR >XXX /XXX history /Experienced XXX. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043835 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% CD reflects purchase price of XXX and IPCs of XXX exceeding XXX% max allowable. | ; Document Uploaded. DD to waive for B Grade. Exception XXX.; Please review and accept an acception; Comment received, in XXX review.; Kindly advise from where did we get the XXX ; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / DSCR >XXX /XXX history /Experienced XXX.; ; Per final CD in file, borrower received a credit of XXX from the seller, which exceeds guidelines maximum. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/24/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraiser noted that the garage door opener was not working at the time of inspection. No cost to cure provided. | ; Document Uploaded. Appraiser commented as Depending on the severity of the problem, cost to cure could reach XXX if opening unit needs replacement, including professional installation. Conversely, a minor issue would be limited to a service call, typically under $XXX; Documentation and comment received, XXX to review.; This is not a safety, structural, or marketability concern. Repair is not required.; | 04/28/2026 | ; Received updated appraisal with cost to cure range from XXX to XXX for a new system with professional installation. Exception Resolved. ; ; | 04/28/2026 | 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.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 409043175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Provide documentation/explanation for large deposit to personal account in the amount of XXX dated XX/XX/XXXX for XXX account ending XXX | ; Document Uploaded. We do have bank Statement from the XXX showing withdrawal of XXX dated XX/XX/XXXX to #XXX on same date; Documentation and comment received, XXX to review.; Do we have any update on this file? ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | ; ; ; LOE provided for XXX deposits. Missing LOE for deposit of XXX dated XX/XX/XXXX | 04/20/2026 | 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.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 409043175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. Appraisal waiver in file. | ; Document Uploaded. Refer XXX.; Documentation received, XXX to review.; ; | 03/26/2026 | Evidence of appraisal delivery provided. | 03/26/2026 | 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.<br> D<br> A<br> B<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 409043175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- XXX e-signed document in the file is dated XX/XX/XXXX; however, missing proof of e-consent dated XX/XX/XXXX or before. | ; Documentation received, XXX to review.; Document Uploaded. refer XXX; | 03/26/2026 | Evidence of eConsent is provided. | 03/26/2026 | 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.<br> D<br> A<br> B<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 409040357 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | PUD Rider is Missing | PUD Rider is Missing The appraisal reflects the subject is a PUD. The mortgage to be re-executed with a PUD Rider. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/01/2026 | The PUD Rider is Present or is XXX (XXX is PUD); | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040357 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Rescinded | XXX | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR v13 Guidelines State: For refinance transactions, XXX must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The appraisal identifies the subject to be tenant occupied, but a lease was not provided for review. | ; Subject property is STR per XXX Rental income was based on XXX% of XXX value (As allowed per XXX guides). ; | 04/06/2026 | Property designated as a short term rental per appraisal. XXX% of rental income used per guidelines. | 04/06/2026 | D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040357 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; 61.73% LTV, DSCR XXX Score XXX Appraisal reflects property area is suburban and not rural. ; ; Document Uploaded. Please waive- exception for rural XXX finding. See XXX.; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose 61.73% LTV, DSCR XXX Score XXX Appraisal reflects property area is suburban and not rural.; Please provide compensating factors in order to waive finding | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040357 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide XXX or Loan Approval. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/24/2026 | Approval/Underwriting Summary is fully present | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Waived | XXX | Credit | Application Profile Missing | Provide Business Narrative not contained in loan file. | ; DD to waive for B Grade. Seller does not require per their guides - seller variance is pending but not yet approved by XXX. Discussed with XXX Team and fine to proceed without for B Grade. Comp Factors: XXX% DTI; XXX FICO; XXX mos PITIA reserves; 75% LTV; Please waive this condition as XXX does not require a business narrative. ; | 03/26/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI; XXX FICO; XXX mos PITIA reserves; 75% LTV | 03/26/2026 | 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%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product/UCDP not contained in loan file. | ; Document Uploaded. Please review - XXX SSR with CU XXX in file.; ; | 03/17/2026 | Third party valuation product provided within tolerance.; Client provided XXX SSR. LM Updated. | 03/17/2026 | 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%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039964 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA Emergency Declaration was declared on XXX XXX (South Caroloina Severe Winter Storm EM-XXX-SC). Appraisal inspection occurred after this date, but there are no comments by the appraiser regarding this. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | FEMA Post Disaster Inspection report was provided. | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| 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 65% is less than Guideline CLTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409039964 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Title Document is XXX Present | Title Document is incomplete or only XXX present. Currently vested in borrower's personal name. No deed was provided to show transfer to business entity borrower. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | Title Document is fully Present. | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| 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 65% is less than Guideline CLTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041735 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing EIN documentation. | ; Documentation received, XXX to review.; Document Uploaded. no ein, no employees, XXX % member XXX ; | 04/27/2026 | Documentation provided showing no EIN used. | 04/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.25% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.25% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041735 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance coverage of XXX is less than required coverage of loan amount XXX Missing insurers estimate of replacement cost. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Replacement cost coverage is automatically included in XXX Rental Dwelling.; | 04/27/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.25% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.25% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042824 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Missing Loan program disclosure | 1003 shows XXX rentals with XXX (appears all were just refinanced). XXX of the XXX Closing Disclosures were provided. Total exposure including this XXX rental being purchased is just over XXX Million, this is under the lender's maximum XXX million exposure for one borrower/entity. Missing final closing disclosures for the following XXX listed on Final 1003: XXX XXX | ; Document Uploaded. ; Documentation received, XXX to review.; | 03/19/2026 | Missing CDs provided. | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Waived | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | ; Please waive for Grade B (XXX guides allow) - XXX history since XXX LOW DTI of XXX% allow for much higher payment to be included- calcd using XXX% XXX Score; ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX history since XXX LOW DTI of XXX% allow for much higher payment to be included- calcd using XXX% XXX Score; Additional documentation was initially receieved; however, the following is requried to meet program guidelines -> Provide documentation to support the qualifying payment of XXX for XXX liability due to monthly payment is not disclosed on the credit report; Provide additional reserves in the amount of XXX due to departing primary residence requires XXX mos of PITI ($125203x6 = $XXX); Provide letter of intent to rent the departure residence within ninety XXX days of closing on the subject; Additional documentation was receieved and the following is requried to meet program guidelines -> Provide documentation to support the qualifying payment of XXX for XXX liability due to monthly payment is not disclosed on the credit report; Provide additional reserves in the amount of XXX due to departing primary residence requires XXX mos of PITI ($125203x6 = $XXX); Provide letter of intent to rent the departure residence within ninety XXX days of closing on the subject. | 04/13/2026 | 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%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Title Document Missing | Title Document is missing | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Title Document is fully Present | 03/25/2026 | 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%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Property Tax Cert Provided | 03/25/2026 | 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%<br> D<br> B<br> C<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Third Party Fraud Report is provided | 03/25/2026 | 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%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Photo Identification provided. | 03/25/2026 | 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%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing | ; Documentation received, XXX to review.; Document Uploaded. Pages XXX-XXX of the collateral file that was provided; ; | 03/25/2026 | The Final 1003 is Present | 03/25/2026 | 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%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Hazard Insurance Policy is fully present | 03/25/2026 | 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%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Flood Insurance Policy is fully present | 03/25/2026 | 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%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | purchase Contract is Missing | Loan Purpose is purchase but purchase Contract Doc is Missing | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 03/25/2026 | purchase Contract Doc is not Missing, or is XXX.; purchase Contract Doc is not Missing, or is XXX. | 03/25/2026 | 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%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | XXX | Compliance | TRID: Missing Loan Estimate | Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed once the initial LE is provided. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/24/2026 | Initial LE provided; exception resolved | 03/24/2026 | 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%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. XXX owns XXX% of the business entity. Provide a full recourse guarantee from XXX. Guidelines require all members with XXX% or more controlling interest to provide a full recourse guarantee. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX ; ; | 03/26/2026 | Personal Guaranty provided. | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Provide an executed W9 and personal identification for XXX. Guidelines require for all Guarantors personal ID with interest > XXX% and Executed W9. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX ; ; | 03/26/2026 | Executed W9 and copy of driver's license provided; condition resolved. | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation not found in the loan file. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX ; ; | 03/20/2026 | Third party valuation product provided within tolerance. | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Waived | XXX | Credit | Missing Business Entity Formation Document | Business Narrative missing. | ; Waive for B Grade. Meets seller guidelines being accepted by XXX Comp factors: FICO XXX / Low DTI / Low LTV ; Comment received, XXX to review.; XXX buys to NDM's guidelines, we don't require the business narrative, please clear; ; | 04/15/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / Low DTI / Low LTV; Loan reviewed to XXX guidelines and requires business narratives. XXX to review for exception. | 04/15/2026 | 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 53.19% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.19% is less than Guideline LTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX The merged credit report reflects an Extended Fraud Victim Alert on the borrower's credit profile. Credit scores were not returned due to fraud alert. Provide credit report with valid fico scores. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/13/2026 | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | 04/13/2026 | 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 53.19% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.19% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Loan does not conform to program guidelines | Per XXX DSCR Guidelines, credit reports with bureaus identified as frozen are required to be unfrozen and a current credit report with all bureaus unfrozen is required. Both Borrower 1 and XXX credit report is frozen and not scored | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/13/2026 |  | 04/13/2026 | 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 53.19% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.19% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040586 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Reserve requirement is XXX months. | ; ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: Experienced XXX; XXX FICO; 63.84% LTV; No Mortgage Lates; Property is tenant occupied.; Requesting for an exception: XXX months in reserves. ; Documentation received, XXX to review.; Document Uploaded. Please find XXX final settlement Statement reflecting a cash back to borrower in the amount of $XXX; adding to XXX gives borrower a total of XXX which is more than sufficient for XXX months reserves. ; ; ; | 03/31/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced XXX; XXX FICO; 63.84% LTV; No Mortgage Lates; Property is tenant occupied.; Settlement Statement for borrower provided. Settlement Statement is for subject property. Updated Reserves of XXX still short the required reserves. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040586 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Reserve requirement is XXX months. | ; ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: Experienced XXX; XXX FICO; 63.84% LTV; No Mortgage Lates; Property is tenant occupied.; Requesting for an exception on this please. ; Documentation received, XXX to review.; Document Uploaded. Please find XXX final settlement Statement reflecting a cash back to borrower in the amount of $XXX; adding to XXX gives borrower a total of XXX providing a XXX over XXX months in reserves. ; ; | 03/31/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced XXX; XXX FICO; 63.84% LTV; No Mortgage Lates; Property is tenant occupied.; Settlement Statement for borrower provided. Settlement Statement is for subject property. Updated Reserves of XXX still short the required reserves. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX DSCR v13 guidelines require personal identification for all material owners and Articles of Organization. Missing Articles of Organization for XXX XXX Series XXX. | ; Documentation received, XXX to review.; Document Uploaded. Operating agreement XXX; ; | 04/09/2026 | Income and Employment Meet Guidelines; Client provided Operating Agreement for XXX XXX Series XXX reflecting the Borrower as the Sole Member. LM Updated. | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Missing Lease Agreement | The appraisal indicates that the subject property is tenant occupied. No lease provided for review. | ; ; ; Document Uploaded. Leases XXX; Documentation received, XXX to review.; Appraiser States rent and expiration date of each rent agreement. We used the lower of the rental and market rent for DSCR score. (XXX St) it's under LLC free and clear (as per data verify) ; | 04/09/2026 |  | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Seller's fraud report discloses an undisclosed property not listed on the Final 1003 (XXX St). Provide updated Final 1003 with all properties owned by borrower. | ; ; XXX does not require documentation or disclosure of free and clear properties on DSCR loans. Please review and rescind. Thank you; XXX St) it's under LLC free and clear (as per data verify) and does not required to be added as per guidelines. ; | 03/24/2026 | All Fraud Report Alerts have been cleared or None Exist | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 71.93% exceeds Guideline LTV of 70% XXX Time XXX 5% LTV reduction applies, maximum LTV is 70%. | ; Document Uploaded. Exception Approved. DD to review XXX exception and waive for B Grade.; ; | 04/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; Property Suburban per appraisal; No Mortgage Lates; XXX supported per appraisal and CDA with variance of XXX% | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Document Uploaded. Exception Approved. DD to review XXX exception and waive for B Grade.; ; ; ; | 04/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; Property Suburban per appraisal; No Mortgage Lates; XXX supported per appraisal and CDA with variance of XXX% | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Income) | Missing LOE regarding bank Statement withdrawals being greater than deposits. | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; Document Uploaded. ; Documentation received, XXX to review.; | 04/10/2026 | LOE provided regarding declining cashflow. ; Provide a letter of explanation to address declining cash flow, as bank Statements reflect withdrawals (personal and business related) exceeding deposits in the majority of the qualifying months. Per program guidelines, this activity indicates a declining cash flow trend.; ; LOE provided stating withdrawals are not greater then deposits, however, checks are to be included in withdrawals. On multiple months, when adding the checks and withdrawals together, the total amount exceeds the deposits. LOE is required regarding cashflow. | 04/10/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409039943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Missing HELOC closure letter for XXX acct #XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/01/2026 | Property Title Issue Resolved; Provide Close Out Letter from XXX due to the document provided is XXX with XXX XXX dated XX/XX/XXXX. | 04/01/2026 | 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<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409039979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Please waive for B grade - XXX granted exception. COMP FACTORS: • LTV 57.14% (Of original purchase price - significantly lower using current appraised value. • DSCR XXX • FICO XXX • XXX history ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/07/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV 57.14% (Of original purchase price - significantly lower using current appraised value; DSCR XXX; FICO XXX; XXX history.; XXX to review for exception | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Purpose does not meet eligibility requirement(s) | Guidelines require XXX months of seasoning for cash-out refinance. The borrower purchased the subject on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | The subject transaction meets the requirements for a delayed purchase and is arm's length. ; Delayed Financing. Client States: Missing lease agreement for subject property. Per XXX XXX DSCR guidelines for refinance transactions, XXX must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. \*I am leaving this here so the Underwriter can confirm. From what I can tell on page XXX of the DSCR guideline show an unleased unit uses XXX% of market rent on XXX (we're below market rent) and a 5% LTV reduction (we're under the LTV limit). If the Underwriter agrees, I'll put together a cover letter explaining how we treated the finding. – The Underwriter agrees with assessment and States this is exactly what he did. Guidelines require XXX months of seasoning for cash-out refinance. The borrower purchased the subject on XX/XX/XXXX. \*Page XXX of the DSCR guidelines. - On page XXX of the Premier (DSCR) underwriting guidelines there is a section for delayed financing section which was used. That States between XXX to XXX months is permitted. The Bwr's purchased the property XX/XX/XXXX and our close date was XX/XX/XXXX, which is XXX days. We obtained the source of the funds used to purchase the property in cash, and the settlement Statement – it was a non-arms length transaction. LM Updated. | 04/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Missing lease agreement for subject property. Per XXX XXX DSCR guidelines for refinance transactions, XXX must be leased at the time of closing and the borrower must provide evidence that the property has been leased. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/31/2026 | Delayed Financing. Client States: Missing lease agreement for subject property. Per XXX XXX DSCR guidelines for refinance transactions, XXX must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. \*I am leaving this here so the Underwriter can confirm. From what I can tell on page XXX of the DSCR guideline show an unleased unit uses XXX% of market rent on XXX (we're below market rent) and a 5% LTV reduction (we're under the LTV limit). If the Underwriter agrees, I'll put together a cover letter explaining how we treated the finding. – The Underwriter agrees with assessment and States this is exactly what he did. Guidelines require XXX months of seasoning for cash-out refinance. The borrower purchased the subject on XX/XX/XXXX. \*Page XXX of the DSCR guidelines. - On page XXX of the Premier (DSCR) underwriting guidelines there is a section for delayed financing section which was used. That States between XXX to XXX months is permitted. The Bwr's purchased the property XX/XX/XXXX and our close date was XX/XX/XXXX, which is XXX days. We obtained the source of the funds used to purchase the property in cash, and the settlement Statement – it was a non-arms length transaction. LM Updated. | 03/31/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Please waive for B grade. XXX granted exception. Comp factors: FICO XXX; DSCR XXX has owned subject for XXX years; | 03/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR XXX has owned subject for XXX years | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409038282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Please waive for B grade. XXX has granted exception. Comp factors--DSCR over XXX experienced landlord, XXX history and long term tenant.; | 04/06/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR over XXX experienced landlord, XXX history and long term tenant. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409038282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The subject's lot size of XX/XX/XXXX square feet is significantly smaller than the comparable lot sizes. Please confirm that this data is accurate. | ; Please waive - appraiser comments are contained within the existing report. COmp factors: DSCR >XXX; Experienced landlord; long time tenant occupying subject (XXX yrs per LOE); XXX history; | 04/06/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DSCR >XXX; Experienced landlord; long time tenant occupying subject (XXX yrs per LOE); XXX history | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409038282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX Payment Letter, no escrow account established at closing. | ; Please waive for B grade - XXX has granted exception - Comp factors-- DSCR over XXX experienced landlord, XXX history and long term tenant.; | 03/27/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR over XXX experienced landlord, XXX history and long term tenant. | 03/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044445 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044445 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044445 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044534 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Acknowledged | XXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide missing Initial Escrow Account Disclosure. | Unable to Resolve-Seller acknowledges exception, no change in grading | 03/16/2026 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change in grading | 03/16/2026 | 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 36.36% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.36% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044534 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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 36.36% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.36% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044534 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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 36.36% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.36% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044538 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). Documentation required to clear exception: 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 Tolerance violation in the amount of XXX is due to Decrease from XXX to XXX for the Lender Credit on Final CD XX/XX/XXXX. | Document Uploaded. Please see XXX curing the issue. | 03/26/2026 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.74% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044538 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.74% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044538 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.74% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 80% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 80% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 80% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX - Mortgage Statement, Insurance document is missing, XXX - Insurance & HOA documents is missing | Document Uploaded. Please be advised the XXX Mortgage and XXX on XXX XXX are on the credit report. Please see the XXX HOI for XXX XXX and XXX XXX along with proof there are no HOA dues on XXX XXX. | 03/17/2026 | Lender provided HOI docs for REOs | 03/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.74% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.74% is less than Guideline CLTV of 90% \| 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<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409044532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Please be advised the lender credits did not decrease, please refer to page XXX of the final closing disclosure showing an increased amount paid as a XXX reduction. | 03/16/2026 | Lender confirmed XXX reduction was applied for lender credits; exception resolved; Lender confirmed XXX reduction was applied for lender credits; exception resolved; 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 CD dated XX/XX/XXXX. to XXX on the Final CD. | 03/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.74% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.74% is less than Guideline CLTV of 90% \| 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<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409044532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/15/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.74% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.74% is less than Guideline CLTV of 90% \| 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<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409044508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.41% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.41% is less than Guideline CLTV of 85% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.41% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.41% is less than Guideline CLTV of 85% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.41% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.41% is less than Guideline CLTV of 85% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044503 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044503 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044503 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044562 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044562 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044562 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/15/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.81% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.81% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.81% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.81% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/15/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.81% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.81% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044470 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044470 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044470 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/15/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/15/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044499 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044499 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044499 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.47% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.47% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.47% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.47% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.47% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.47% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Acknowledged | XXX | Compliance | Incorrect rescission model used - RTC form model H-XXX 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 The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (-new XXX of money with the same creditor). Model H-XXX was provided; because the property is located in XXX, model H-XXX should have been used. | Unable to Resolve-seller accepts; no change to grading. ; Please downgrade this to a grade XXX or cancel. The Circuit court that covers XXX, Circuit XXX has not held that the H-XXX form is not acceptable to open recission in this situation. The only circuit court that has, circuit XXX covers PA, DE, XXX, however Circuit XXX has not ruled, and the case is distinguishable on the merits. Please clear this condition as it is invalid. | 03/17/2026 | Acknowledged as 2/B grading per client request; ; Property is located in XXX, exception downgraded to a 2/B | 03/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| 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.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| 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.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| 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.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044488 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044488 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044488 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification that XXX XXX | Document Uploaded. Please see XXX property report confirming zero liens on the property and that it is free and clear. | 03/16/2026 | Lender property report confirming zero liens on the property and that it is free and clear. | 03/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.65% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.65% is less than Guideline CLTV of 70% \| 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.65% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.65% is less than Guideline CLTV of 70% \| 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.65% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.65% is less than Guideline CLTV of 70% \| 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/15/2026 | 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 55.38% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.38% is less than Guideline CLTV of 75%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/15/2026 | 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 55.38% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.38% is less than Guideline CLTV of 75%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/15/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/15/2026 | 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 55.38% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.38% is less than Guideline CLTV of 75%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042679 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Waive for B Grade. Meets seller guidelines being accepted by XXX - Comp factors: FICO XXX / DSCR >XXX / 65% LTV ; PLEASE REMEMBER XXX BUYS TO NDM'S GUIDELINES, AND CLEAR. THANK YOU; ; ; | 04/22/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR >XXX / 65% LTV | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043906 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for deferred balance reflected on the mortgage Statement and payoff Statement for XXX Bank paid off at closing for $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Document Uploaded. ; Documentation received, XXX to review.; | 03/30/2026 | LOX received. ; LOE provided, however explanation for deferred balance reflected on the mortgage Statement and payoff Statement for XXX Bank paid off at closing for XXX were not Stated. | 03/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043906 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/20/2026 | Evidence of appraisal delivery provided. | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409041094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Please waive for B grade - XXX granted exception. FICO XXX / DSCR XXX / XXX history / Reserves from savings >XXX mo; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR XXX / XXX history / Reserves from savings >XXX mo | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | Potential Occupancy/Current Address Issues identified in the file | Per application, borrower intends to occupy subject property. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/01/2026 |  | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing required Business Purpose Affidavit. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | Business Purpose Affidavit/Disclosure Provided | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041488 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/20/2026 | Evidence of eConsent is provided. | 03/20/2026 | 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 64.13% is less than Guideline CLTV of 80% \| 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 64.13% is less than Guideline LTV of 80%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Required Completed and Signed Business Purpose Affidavit. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Executed Borrower Certification of Business Purpose. LM Updated. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraiser listed the subject property as "XXX" but the photos show a XXX building. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | The issue with the property has been resolved.; Client provided Updated Appraisal reflecting XXX XXX., FNMA SSR and Freddie Mac SSR. LM Updated.; Subject property is a free-standing two unit property No common walls are shared with another property. appraisal should reflect XXX. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409042122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Client approved an exception to guidelines to allow for rural property according to XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > 100x, FICO of XXX months of reserves, and mortgage history XXX across XXX concurrent accounts. | Property/Appraisal guideline violation: Client approved an exception to guidelines to allow for rural property according to XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > 100x, FICO of XXX months of reserves, and mortgage history XXX across XXX concurrent accounts. | 04/27/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > 100x, FICO of XXX months of reserves, and mortgage history XXX across XXX concurrent accounts. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Rescinded | XXX | Credit | The Final 1003 is Not Executed | The Final 1003 is Not Executed Missing borrower and lender signature and date | ; Documentation received, XXX to review.; Document Uploaded. per FMHL guidelines, a Final 1003 is not required for DSCR loans ; | 03/25/2026 | Not required by FMHL | 03/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041687 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; DD to waive for B Grade with exception approved. Comp factors: FICO XXX / DSCR >XXX / Experienced landlord; Document Uploaded. DD to waive for B Grade. Exception XXX.; Post close exception approved. Please note: Exception approved with XXX adjustment to pricing; XXX may review for exception. Please note there maybe impact to pricing.; | 03/26/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR >XXX / Experienced landlord; ; Exception approval received, but missing compensating factors. | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraiser listed the subject property as "XXX" but the photos show a XXX building. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | The issue with the property has been resolved.; Client provided Updated Appraisal reflecting XXX Units XXX., FNMA SSR and Freddie Mac SSR. LM Updated. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409042423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Missing Lease Agreement | The appraisal identifies the subject property to be tenant occupied. A copy of the lease agreement was not provided for review. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/01/2026 | Received lease for additional unit and DSCR XXXs within guidelines.; Lease agreement for one unit provided. Missing second lease. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Reserves amount insufficient. See LOE on page XXX Borrower indicated that the Cash-Out proceeds from different REO refinances would be used for this refinance. However, there is not a CD documented in the loan file for any other REO refinance and the Cash-Out proceeds for the current refinance is not enough to cover the required XXX months reserves. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/30/2026 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042571 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy Property is in a Flood zone, missing Flood insurance policy. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | Flood Insurance Policy is fully present | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042571 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Missing lease agreement for subject property. Per XXX XXX DSCR guidelines, for refinance transactions, For XXX-XXX-unit properties, there shall be no more than one vacant unit at origination and any vacant unit must provide evidence of a recent lease within the last two XXX months. Subject property is tenant occupied per appraisal. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | Lease agreement provided. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042571 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing 2nd review appraisal. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | Third party valuation product provided within tolerance. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042571 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Haz policy is XXX short in coverage. | ; | 03/30/2026 | Document Uploaded. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409039984 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded bank Statement program v12 | ; Document Uploaded. Business narrative - page XXX to finding.; | 03/20/2026 | Business narrative provided | 03/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.97% 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.97% is less than Guideline LTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Application Profile Missing | The required Borrower Contact Consent Form is not contained in the loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | E-consent provided. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042779 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Insured amount is correct at XXX and is less than the XXX loan amount. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/24/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409043837 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409039451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040855 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042828 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraiser listed the subject property as "XXX" but the photos show a XXX building. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | The issue with the property has been resolved.; Client provided Updated Appraisal reflecting XXX units XXX., FNMA SSR and Freddie Mac SSR. LM Updated. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042828 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Prepayment riders provided (both copies, pages XXX and XXX) are missing page XXX with the borrowers' signatures. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | The Deed of Trust is Present and Complete | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409044022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Borrower States that they are taking cash out through the refinance for debt consolidation guideline States that cash out proceeds must be for business purpose only. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX LOX.; ; | 03/30/2026 | LOE received. | 03/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Property | The appraisal was completed "Subject To" and the Completion Certificate in file is incomplete. | The appraisal was completed Subject-To and the Completion Certificate in file is incomplete The appraisal report is made subject to repairs. Appraiser States that the subject has been is in need of an immediate repair as Siding around back door as it has water damage and the home is exposed to water per monthisture. This is felt to be a health and safety issue. Loan file contains a certification of completion stating that the siding around back door has been replaced to prevent water damage and exposure to water per monthister. Pictures were provided to evidence the completion. Lender guidelines States that appraisals that are made subject to are not eligible. | ; Document Uploaded. Please review - a 1004d has been provided, and the property has been delivered as complete, not subject to repair. Evidence of repair XXX.; | 03/19/2026 | The appraisal Completion Certificate is complete | 03/19/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040877 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Application Profile Missing | The subject is located in a community property sate and the borrower disclosed that he is married on the loan application. The required Contact Consent Form is not contained in the loan file. | Please provide curative options for seller. ; Hello, is there a contact consent form that XXX has for us to complete? or will a signed LOE be acceptable? Please advise curative options; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/08/2026 | ; Revised appraisal uploaded. XXX consent still missing from file. | 04/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.72% is less than Guideline LTV of 70% \| 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 48.72% is less than Guideline CLTV of 75%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409040877 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural by appraiser. Not permitted per DSCR guidelines. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/24/2026 | Property/Appraisal Meets Guidelines | 03/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.72% is less than Guideline LTV of 70% \| 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 48.72% is less than Guideline CLTV of 75%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409040978 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Credit history does not meet guidelines | The credit report does not reflect a prior mortgage. No evidence in file the borrowers have ever had a mortgage. XXX XXX DSCR Guidelines reflect borrowers who are obtaining a mortgage for the XXX time are not permitted, rendering the borrowers ineligible. | ; For escalation- this borrower owns their primary free and clear and with 70% LTV meets the guides. ; ; Guidelines allow for XXX time XXX at 70% LTV.; ; ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/22/2026 | Borrower is not a FTHB and meets guideline requirements for XXX time XXX who intends to self-manage. ; copy of mortgage was provided from XXX but is not reported on Credit report. Borrowers would be considered XXX time obtaining a mortgage as there is no mortgage reporting on credit report. This is not permitted per guidelines. ; DSCR program guidelines, the borrower must demonstrate concurrent ownership of at least two properties for a minimum of XXX months within the most recent XXX mos. The XXX property tax Statement for XXX North Pond Rd supports ownership of XXX property; documentation evidencing ownership of a second property is required. Additionally, at least one property must be income-producing, supported with evidence of either executed lease/rental agreement, rent roll, property management Statements, or a business license and income documentation for XXX operated commerical property. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040978 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide evidence of rent loss covering a minimum of XXX months for the subject property. | ; ; Documentation and comment received, XXX to review.; Document Uploaded. is on the policy – "Loss of Use" for $XXX; ; | 04/01/2026 | Rent Loss Coverage Present | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042728 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Escrow waiver requested and Lender Exception Approved. Compensating factors include: XXX months PITIA reserves post close, XXX FICO, No mortgage lates on XXX mortgage accounts on credit report. | Escrow waiver requested and Lender Exception Approved. Compensating factors include: XXX months PITIA reserves post close, XXX FICO, No mortgage lates on XXX mortgage accounts on credit report. | 03/18/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX months PITIA reserves post close, XXX FICO, No mortgage lates on XXX mortgage accounts on credit report. | 05/29/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042728 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Borrower needs evidence that they are using a management company for their investment property, due to being a XXX time XXX. No evidence provided that they are using a management company; therefore, max LTV is 70%. | ; Documentation received, XXX to review.; Document Uploaded. The XXX XXX search shows that J Keller Properties, listed as the Agent on the lease agreement, is a major property management company. As such, LTV of 75% should be acceptable.; ; ; | 03/26/2026 | Audited LTV of 75% is less than or equal to Guideline LTV of 75%. Borrower using property management company per lease agreement provided | 03/26/2026 | D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042728 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Two months Statements required; XXX # XXX one month missing. | ; Documentation and comment received, XXX to review.; Document Uploaded. At the time of closing, the XXX and XXX Statements XXX here were the two most recent Statements for this account.; XXX & XXX for account #XXX in file.; ; | 03/26/2026 | Asset Record XXX Meets G/L Requirements Or XXX | 03/26/2026 | D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042728 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements Missing Statement for loan # XXX showing XXX cash out proceeds. | ; Documentation received, XXX to review.; Document Uploaded. Signed CD showing cash out proceeds; ; ; | 03/26/2026 | Asset 4 Meets Guideline Requirements Or XXX | 03/26/2026 | D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043377 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/16/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. Timing waiver of the appraisal report for higher priced loans is XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/20/2026 | Evidence of appraisal delivery dated XX/XX/XXXX provided. Finding is resolved. ; Evidence of appraisal delivery provided. | 06/02/2026 | 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<br> C<br> A<br> B | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409043377 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/16/2026 | Rescinded | XXX | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds XXXrage prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a XXX-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Appraisal requirements not met, missing appraisal delivery receipt. Unable to downgrade. | ; ; Is this informational pending proof of appraisal delivery or is there something needed from the Seller? Please re-open condition as needed after review. Thx | 03/20/2026 | loan is HPML | 03/20/2026 | C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409043377 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/16/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than XXX days Prior to Consummation (12 CFR 1026.35(c)(6)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. 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. Timing waiver of the appraisal report for higher priced loans is XXX. | ; | 03/20/2026 | Date of Borrower Receipt of Appraisal exceeds XXX business days from Closing Date, or XXX | 03/20/2026 | 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409043377 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/16/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgrade. Missing evidence borrower received the appraisal report at least XXX business days prior to loan consummation. Timing waiver of the appraisal report for higher priced loans is XXX. | ; | 03/20/2026 | Appraisal delivery provided, HPML compliant. Exception resolved | 03/20/2026 | 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409042240 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/16/2026 | Waived | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. NonQM Loan | ; Please waive for B grade - Comp factors: FICO XXX / LTV XXX / XXX history; ; Documentation received, XXX to review.; Document Uploaded. Please see passing compliance report. This is a Non-QM loan. ; ; | 04/17/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / LTV XXX / XXX history.; Lender XXX provided confirms QM points and fees exceeds thresholds, confirm if this should be acknowledged | 04/17/2026 | 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 64.62% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.62% is less than Guideline LTV of 75%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409045015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal in file is incomplete. Document is cut off on top and bottom. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; ; ; ; | 04/10/2026 |  | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409041740 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. XXX XXX Expanded DSCR program v13 requires all members of a legal entity with XXX% or more controlling interest provide a full recourse guarantee. The Articles of Organization reflects Dina Behar Hevert and EXXXique XXX Behar as a XXX% members and did not provide a guaranty | ; ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | Lender provided the Personal Guaranty for XXXt and XXX XXX XXX. ; Personal Guaranty provided.; Provide documentation confirming the loan is structured with a full-recourse Personal Guaranty, and that the borrower acknowledges this, per XXX DSCR loan program guidelines. | 04/22/2026 | 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 53.44% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.44% is less than Guideline LTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041740 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Missing lease agreement for subject property. Per XXX DSCR guidelines, for refinance transactions, For XXX-XXX-unit properties, there shall be no more than one vacant unit at origination and any vacant unit must provide evidence of a recent lease within the last two XXX months. Per appraisal, property is tenant occupied with active leases. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/22/2026 | Lease agreement provided ; Provide executed Lease Agreements for both units, as XXX DSCR guidelines require the subject property to be leased at the time of closing. | 04/22/2026 | 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 53.44% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.44% is less than Guideline LTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041740 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Certificate of Good Standing. | ; Documentation received, XXX to review.; Document Uploaded. Alternate documentation for proof of good standing.; ; | 04/16/2026 | Printout for SOS provided showing company in good standing. | 04/16/2026 | 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 53.44% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.44% is less than Guideline LTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041705 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/16/2026 | Resolved | XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD and or final settlement Statement verifying the loan disbursement date. | ; ; Documentation and comment received, XXX to review.; Document Uploaded. PLEASE SEE UPLOADED PCCD TO CLEAR CONDITION. THANK YOU. ; ; | 04/29/2026 | Received PCCD with corrected disbursement date - exception resolved; Received PCCD with corrected disbursement date - exception resolved | 04/29/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409041705 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/16/2026 | Waived | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. NonQM Loan | ; ; Waive for B Grade. Meets seller guidelines being accepted by XXX Comp factors: FICO XXX / Stable job / DTI below max ; ; Documentation and comment received, XXX to review.; Document Uploaded. This is a Non-QM loan. Please see compliance report XXX and passing.; ; ; | 04/29/2026 | Waived as previously stipulated; Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / Stable job / DTI below max.; XXX (pg XXX) confirms QM points and fees was above the limit, confirm if this is requesting to be acknowledged | 04/29/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409040591 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042742 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Per XXX Expanded v12 guidelines, two months of bank Statements are required. File only contains one month for XXX acct #XXX dated XX/XX/XXXX - XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/26/2026 | Asset Record XXX Meets G/L Requirements | 03/26/2026 | 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.<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409042826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/31/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & Occupancy Affidavit. LM Updated. | 03/31/2026 | 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 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042760 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042616 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/16/2026 | Cured | XXX | Compliance | TRID: Closing Disclosure Deficiency | XXX Payment Policy. May accept and does not accept XXX payments are both checked on the Final and PCCD. Provide a letter of explanation and corrected disclosure. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/23/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043578 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | XXX | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a XXX lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($82,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a XXX lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Loan was originated under XXX Expanded guidelines and XXX Expanded v12 allows non-QM due to rate spread. Condition is for information only. | ; Please rescind information only conditon; | 03/20/2026 | Information only. | 03/20/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Please waive for Grade B- Low LTV, Excellent Credit with Perfect Mortgage History spanning over XXX years and over XXX months in reserves. Borrower is a very experienced XXX and DSCR is over XXX; ; Please waive for Grade B- Rural per XXX is not rural - 0ver XXX% built up, public water and sewer, and XXX time less than XXX months. ; | 03/31/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low LTV, Excellent Credit with Perfect Mortgage History spanning over XXX years and over XXX months in reserves. Borrower is a very experienced XXX and DSCR is over XXX; Please provided at least XXX compensating factors to waive finding. | 03/31/2026 | 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 61.76% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.76% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Property is a XXX condo. Lender exception per page XXX is approved. Compensating factors: •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Excellent credit history •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Seasoned rental property XXX •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Low LTV •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Excess in reserves | ; | 03/31/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Excellent credit history, Seasoned rental property owner, Low LTV, Excess in reserves. | 03/31/2026 | 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 61.76% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.76% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | Business Purpose Affidavit/Disclosure Provided; Provide a copy of the executed Business Purpose and Non-Occupancy Disclosure confirming that the borrower, guarantor, and any family members will not occupy the subject property and that it will be used solely as an investment property. | 03/31/2026 | 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 61.76% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.76% is less than Guideline LTV of 75%<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Please waive for Grade B- Low LTV, Excellent Credit with Perfect Mortgage History spanning over XXX years and over XXX months in reserves. Borrower is a very experienced XXX and DSCR is over XXX; ; Please waive for Grade B- Rural per XXX is not rural - 0ver XXX% built up, public water and sewer, and XXX time less than XXX months. ; | 03/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low LTV, Excellent Credit with Perfect Mortgage History spanning over XXX years and over XXX months in reserves. Borrower is a very experienced XXX and DSCR is over XXX; Please provided at least XXX compensating factors to waive finding. | 03/30/2026 | 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 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Subject is a XXX condo. Lender exception per page XXX is approved. Compensating factors: •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Excellent credit history •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Seasoned rental property XXX •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Low LTV •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Excess in reserves | ; | 03/30/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Excellent credit history, Seasoned rental property owner, Low LTV, Excess in reserves. | 03/30/2026 | 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 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Property is a XXX condo. Per lender exception on page XXX this is approved. Compensating factors: •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Excellent credit history •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Seasoned rental property XXX •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Low LTV •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Excess in reserves | ; | 03/30/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Excellent credit history, Seasoned rental property owner, Low LTV, Excess in reserves. | 03/30/2026 | 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 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Please waive for Grade B- Low LTV, Excellent Credit with Perfect Mortgage History spanning over XXX years and over XXX months in reserves. Borrower is a very experienced XXX and DSCR is over XXX; ; Please waive for grade b- Rural per XXX, and property is not rural - 0ver XXX% built up, public water and sewer, and XXX time less than XXX months. ; ; | 03/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low LTV, Excellent Credit with Perfect Mortgage History spanning over XXX years and over XXX months in reserves. Borrower is a very experienced XXX and DSCR is over XXX; Please provided at least XXX compensating factors to waive finding. | 03/30/2026 | 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 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraisal has several points of conflicting data: XXX) Page XXX States XXX occupied investment property. XXX) Page XXX States no known listing of subject property in the prior XXX months. The supplemental addendum States the subject was offered for sale on XX/XX/XXXX for XXX The most recent list price is XXX and the subject is now under contract with an MLS contract date of XX/XX/XXXX. The subject is a refinance transaction. XXX) None of the comps provided have ADUs, and large adjustments were made for this feature, which makes the subject property unique. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/10/2026 | The issue with the property has been resolved.; Updated appraisal received. ; Revised appraisal received. Appraiser States one comp has ADU to support value. At least XXX would be required. Addendum addressed property listing was removed, and appraisal switched to tenant occupied | 04/10/2026 | 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.<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Purpose does not meet eligibility requirement(s) | The appraisal supplemental addendum States the subject was offered for sale on XX/XX/XXXX for XXX XXX Expanded v12 guidelines State cash-out refinances are not eligible if the property was listed for sale within XXX months of the application date; and properties listed for sale within XXX months of the application date are not eligible for refinance transactions. | ; DD to comment after review of XXX appraisal. No Updates made; Document Uploaded. ; | 04/01/2026 | Revised appraisal received, addendum about property listing was removed and addressed by appraiser. ; | 04/01/2026 | 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.<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Application Profile Missing | Per XXX Expanded v12 guidelines, Each loan requires a CPA or XXX and signed XXX Business Narrative that includes at minimum details related to the description, nature, size (full-time employees and or contractors) and scope of the business. The Business Narrative form in the file was not completed by the borrower or CPA. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | ; Business narrative provided, however not completed by borrower or CPA as required per guidelines. | 03/30/2026 | 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.<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/25/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 03/25/2026 | 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.<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041850 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/17/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The file does not contain documentation to show the non borrowing spouse, who is required to receive a copy of the CD in a rescindable transaction at least XXX days prior to consummation, received the CD timely | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | 03/30/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409041850 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/17/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Photos show deteriorating wood trim. Appraiser's comments: The subject has some deferred XXX on the exterior of the home in the form of areas of peeling exterior trim paint and trim paint that is damaged/deteriorating. The estimated cost to cure is XXX | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | The issue with the property has been resolved.; Updated appraisal received with issues addressed. | 03/30/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409042855 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. | ; DD- please confirm what agreement you are referencing?; Can you provide what loan agreement you are referring too; ; ; ; ; | 04/16/2026 | Loan Agreement Present; No comments or documentation received. Condition re-opened. | 04/16/2026 | 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 61.19% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.19% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042855 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Waived | XXX | Credit | Missing Personal Guaranty | Missing Personal Guaranty. | ; ; Please waive for Grade B- not required with XXX. Comp factors 61.19% LTV, DSCR of XXX and score of XXX; | 04/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 61.19% LTV, DSCR of XXX and score of XXX | 04/16/2026 | 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 61.19% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.19% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042855 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; | 03/31/2026 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 03/31/2026 | 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 61.19% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.19% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Clarification of Tax and Ins for XXX Longley Cove was not provided to determine the amount of XXX for the property expense | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/31/2026 | Review of documentation DTI XXXs within guidelines; condition cleared. | 03/31/2026 | 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 45% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45% is less than Guideline LTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042847 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Missing prepayment penalty rider to note. Prepayment rider to mortgage in file, but missing one for note. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/06/2026 | The Note is Present; Client provided Prepayment Addendum to the subject Note. LM Updated. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Audited interested party contribution of XXX% exceeds guidelines maximum of XXX% for Investment properties. | ; ; Please waive for B grade - XXX granted exception. Comp factors: FICO XXX / DSCR XXX / XXX mo reserves / Excellent housing history.; | 04/06/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR XXX / XXX mo reserves / Excellent housing history. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage XXX DSCR v13 guidelines require rent loss insurance covering a minimum XXX months for subject property. Hazard insurance policy provided does not reflect rent loss insurance. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/06/2026 | Rent Loss Coverage Present; Client provided Special Form - Rental Property Insurance reflecting Payment will be for the shortest time required to repair or replace that part of the premises rented or held for rental, but not to exceed XXX months. LM Updated. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Please waive for B grade - XXX granted exception. Comp factors: FICO XXX / DSCR XXX / XXX mo reserves / Excellent housing history.; | 03/25/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR XXX / XXX mo reserves / Excellent housing history. | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042622 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/17/2026 | Resolved | XXX | Credit | Missing Income - Bank Statements | An average of XXX months bank Statements was used to calculate the borrowers income, missing bank Statement for Feb XXX | ; ; Please provide status on this loan. ; Bank Statements from XXX XXX through XXX XX/XX/XXXX are provided in a merged bank Statement. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | ; LOE provided, however Copy of bank Statement from XX/XX/XXXX was missing from file provided. | 04/27/2026 | Borrower has stable job time \| Qualifying DTI below max allowed.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; XXX mid score, XXX years mortgage history (multiple mortgages) XXX, DSCR of XXX well XXXtained and updated properties.; Document Uploaded. ; Exception approved- please waive finding. See XXX. ; ; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX mid score, XXX years mortgage history (multiple mortgages) XXX, DSCR of XXX well XXXtained and updated properties. ; Exception approval received, Please provide at least XXX compensating factors | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042771 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Rescinded | XXX | Credit | Missing Personal Guaranty | Missing Personal Guaranty. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | Borrower signed the Note as a vested individual. A personal guarantee is not required. ; Personal Guaranty provided.; Provide documentation supporting that the loan is structured with full personal guaranty recourse in accordance with XXX DSCR loan program guidelines. | 04/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042848 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Compliance | Final HUD-XXX Document is Missing | Final HUD-XXX Document is Missing | ; ; Documentation received in XXX review.; Document Uploaded. ; ; | 04/28/2026 | Final Settlement Statement provided. Finding is resolved. | 04/28/2026 | 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 37.3% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.3% is less than Guideline LTV of 70%<br> D<br> B<br> A<br> C | D | A<br> D<br> C | D<br> C | D<br> C | D<br> C | D<br> C | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Assets total XXX Required assets are XXX + XXX months Reserves required x XXX = XXX The borrower is short reserves of $XXX. | ; ; Waive for B Grade. Meets seller guidelines being accepted by XXX Comp factors: FICO XXX; DSCR >XXX; LTV below max. ; ; Documentation received in XXX review.; please refer to NDM's guidelines and clear; ; ; | 04/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR >XXX; LTV below max. ; | 04/28/2026 | 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 37.3% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.3% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | D | A<br> D<br> C | D<br> C | D<br> C | D<br> C | D<br> C | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Assets total XXX Required assets are XXX + XXX months Reserves required x XXX = XXX The borrower is short reserves of $XXX. | ; ; Waive for B Grade. Meets seller guidelines being accepted by XXX Comp factors: FICO XXX; DSCR >XXX; LTV below max. ; ; Comment received, in XXX review.; please refer to NDM's guidelines and clear; ; | 04/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR >XXX; LTV below max. ; | 04/28/2026 | 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 37.3% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.3% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | D | A<br> D<br> C | D<br> C | D<br> C | D<br> C | D<br> C | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041474 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: XXX) Subject property is identified to be XXX occupied on appraisal. XXX) The appraisal was completed subject to, which is not allowed per guidelines. 1004D is contained in the loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; Please amend finding. The 1004d confirms work has been done. The report is no longer subject to. Thank you!; ; ; | 04/28/2026 | Corrected appraisal received. Initial XXX confirmed tenant occupied and signed lease also in file. Okay to accept post close corrected appraisal per management. Property/Appraisal Meets Guidelines. Condition cleared.; Updated comment: Subject property is identified to be XXX occupied on appraisal. | 04/28/2026 | 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 37.3% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.3% is less than Guideline LTV of 70%<br> D<br> B<br> C<br> A | D | A<br> D<br> C | D<br> C | D<br> C | D<br> C | D<br> C | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller Credit is $XXX; however, max seller credit should be XXX Seller credit over acceptable credit by XXX | ; Waive for B Grade. Meets seller guidelines being accepted by XXX - Comp factors: FICO XXX / DSCR XX/XX/XXXX / XXX history ; XXX BUYS TO NDM's GUIDELINES AT XXX% CONTRIBUTIONS PLEASE CLEAR; Comment received, in XXX review.; please refer to NDM's matrix and clear thank you! ; | 04/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR XX/XX/XXXX / XXX history; | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042291 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/18/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Lender approved exception for subject property includes unpermitted space. Compensating factors: XXX% DTI and 42.8% LTV; Appraiser did make comments unpermitted additions done in workmen like manner, no adjustment or inclusion of value, no impact on marketability. | ; ; | 04/08/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI and 42.8% LTV. | 04/08/2026 | 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 42.68% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.68% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX A title search was provided. It is not a binder or title commitment and does not indicate the amount of coverage for the title insurance policy. Provide title commitment or Final Title Policy covering loan amount of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 03/31/2026 | 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 42.68% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.68% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/18/2026 | Resolved | XXX | Property | Property address on appraisal does not match executed note | Property address on Sales Agreement, Appraisal, Flood Cert and Title report discloses property address as XXX. However, the Note, DOT and hazard insurance policy discloses as address as "XXX". Provide clarification of property address and updated documents. | ; ; Document Uploaded. Please see XXX. The address in our system is what XXX shows, please see XXX correct documents.; | 03/26/2026 | Corrected items received. | 03/26/2026 | 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.<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409043268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409032986 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraisal identified chipping exterior paint, a broken fence, and XXX up garage door, but a cost to cure was not provided. | ; See comments from appraiser - ok to rescind or resolve; Document Uploaded. Uploaded response from appraiser. Photo of garage already included in report... lease refer to pg XXX Thank you; Documentation received, XXX to review.; Please review - p XXX of report shows access to garage. However, it also indicates possible chipping lead paint, which is a health and safety issue. Report should be made subject to repair.; ; Document Uploaded. Revised appraisal and updated UCDP reports uploaded. Refer to Pg XXX of the appraisal for comments on the addendum; Documentation and comment received, XXX to review.; | 04/15/2026 | The issue with the property has been resolved.; Client provided Updated Appraisal with Appraiser comments: The appraisal noted some issues or defects XXX with the property. The chipping exterior paint, a broken fence, and XXX up garage door; however, a cost to cure was not provided. XXX The exterior chipping paint could be lead based and should be properly scraped and repainted. The estimated cost to cure is XXX The section of the fence that blew over would require a few new posts and handyman work. The estimated cost to cure is XXX The XXX up garage door did not indicate a broken door. The reason for the XXXrds was XXX. However from the interior of the garage the rear door appeared to be operational. No cost to cure. The minimal total XXX cost to cure (less than XXX% of the opinion of value) was not adjusted for on the sales grid. The overall condition of the subject (including these noted deferred XXX items), as compared to the overall condition of the comparable sales, was adjusted and account for in the condition rating on the adjustment grid. No additional line item adjustment is warranted. LM Updated.; While garage was addressed, comments indicating chipping lead paint, which is a health and safety issue was not.. Report should be made subject to repair.; p XXX of report shows access to garage. However, it also indicates possible chipping lead paint, which is a health and safety issue. Report should be made subject to repair.; Appraiser States no safety issue with garage door and was reviewed, however garage door entrance is XXX up and garage door is not operation so unable to enter. No access to garage is noted or photographed. | 04/15/2026 | D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409041563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Seller Fraud Report | ; Documentation received, XXX to review.; Document Uploaded. Fraud Report uploaded; | 03/26/2026 | Third Party Fraud Report is provided | 03/26/2026 | D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409041741 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Per XXX DSCR v13 guidelines, Credit reports must show sufficient trade lines with activity; the qualifying Borrower must have at least XXX trade lines reporting for XXX months or XXX reporting for XXX months with activity in past XXX months A lender exception was provided for this insufficiency. Compensating factors were XXX FICO score, 34.48% LTV, and high DSCR score | The lender's minimum tradeline requirements have not been met per guidelines. Per XXX DSCR v13 guidelines, Credit reports must show sufficient trade lines with activity; the qualifying Borrower must have at least XXX trade lines reporting for XXX months or XXX reporting for XXX months with activity in past XXX months A lender exception was provided for this insufficiency. Compensating factors were XXX FICO score, 34.48% LTV, and high DSCR score | 03/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO score, 34.48% LTV, and high DSCR score. | 03/20/2026 | 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 50.57% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.57% is less than Guideline LTV of 75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041760 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Credit | Missing Business Entity Formation Document | Provide a copy of the LLC Operating Agrement. | ; ; ; ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | Acknowledged/Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XX/XX/XXXX FICO XXX Reserve XXX experienced borrower, XXX lates.; Provide the fully executed Operating Agreement for XXX Annette LLC to confirm authorized signer(s), ownership structure, and borrowing authority. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041760 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Provide executed Business Purpose Affidavit. | ; Business Purpose Affidavit Provided.; Document Provided. ; | 03/30/2026 | Business Purpose Affidavit/Disclosure Provided | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041760 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Provide final application with PITIA disclosed for all XXX owned. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; | 03/30/2026 | The Final 1003 is Present | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/19/2026 | Resolved | XXX | Compliance | 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. | ; ; Document Uploaded. ; ; ; | 04/14/2026 | Documentation provided confirming the lender does not have any affiliates. ; Required Affiliated Business Disclosure Documentation Provided. | 04/14/2026 | 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 50% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409042455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue XXX is a community property State, XXX consent missing. | ; Documentation received, XXX to review.; Document Uploaded. docs; ; Document Uploaded. Documentation received, XXX to review.; docs; ; Documentation received, XXX to review.; Document Uploaded. not needed ; | 04/23/2026 | Documentation is sufficient. XXX Consent form provided. Exception resolved.; Property Title Issue Resolved; Provide executed XXX Consents for both borrowers' spouses confirming acknowledgement of the loan and consent to the transaction, with no assumption of repayment responsibility; document is required to meet program guidelines -> uploaded document is not XXX with this transaction. ; Provide executed XXX Consents for both borrowers' spouses confirming acknowledgement of the loan and consent to the transaction, with no assumption of repayment responsibility; document is required to meet program guidelines. | 04/23/2026 | 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 63.57% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.57% is less than Guideline LTV of 75%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | XXX | Credit | Missing Prepayment Rider | Tape and CD show prepayment penalty on loan. Missing prepayment documentation from file | ; ; Documentation received, XXX to review.; Document Uploaded. Correction Instrument; | 04/17/2026 | The subject Mortgage was corrected to include a prepayment penalty rider, not remove a prepayment penalty rider. The PCCD is not required. ; Corrected mortgage received, however missing PCCD showing no prepayment penalty sent to borrower. | 04/17/2026 | 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 63.57% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.57% is less than Guideline LTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Certificate of Good Standing missing. | ; Documentation received, XXX to review.; Document Uploaded. needed docs; | 03/27/2026 | Supporting documentation provided; condition cleared. | 03/27/2026 | 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 63.57% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.57% is less than Guideline LTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraiser identified deferred XXX including the back exterior door trim and bedroom door, but a cost to cure was not provided. | ; Please waive. XXX does not require cure of non health/safety items.; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | ; Appraisal addresses cost to cure for trim. Items requiring repair meet the FNMA definition of C4 conditions. ; Updated appraisal identifies an estimated cost to cure the damaged door and trim of XXX XXX Expanded DSCR v13 guidelines State deferred XXX items identified in 3rd party reports must be cured prior to closing. 1004D is required to confirm cure. ; ; The issue with the property has been resolved.; Client provided Updated Appraisal reflecting comment added to Describe the Condition of the property stating: Estimated cost to cure the damaged door an trim is XXX LM Updated. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/06/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & Occupancy Affidavit. LM Updated. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 does not list all of the real eState owned by the borrower | ; Documentation received, XXX to review.; Document Uploaded. docs; Per DD - Missing Properties: XXX XXX, XXX XXX XXX XXX, XXX XXX XXX XXX XXX, XXX XXX XXX ; | 04/07/2026 | The Final 1003 is Present | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 79.96% exceeds Guideline LTV of 70% XXX Time XXX with no Management Company for the XXX time rental property. Max LTV is 70% with XXX months reserves and minimum XXX FICO. Current LTV exceeds max by XXX%. | ; ; Please waive for Grade B- meets XXX guides- comp factors- XXX years mortgage history XXX, score XXX DSCR XXX; | 03/26/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years mortgage history XXX, score XXX DSCR XX/XX/XXXX | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Please waive for Grade B- meets XXX guides- comp factors- XXX years mortgage history XXX, score XXX DSCR XXX; | 03/26/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years mortgage history XXX, score XXX DSCR XX/XX/XXXX | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | purchase Contract is Missing | Loan Purpose is purchase but purchase Contract Doc is Missing | ; ; Document Uploaded. zero balance due invoice from XXX. Shows paid in full ; Documentation received, XXX to review.; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; Document Uploaded. ; ; | 04/10/2026 | purchase Contract Doc is not Missing, or is XXX.; Provide documentation from XXX completed the needed repairs.; Provide documentation from XXX completed the needed repairs.; Provide evidence the repairs, testing, inspection(s), etc. indicated on Exhibit A of the Real EState purchase Contract dated XX/XX/XXXX all have been completed.; purchase Contract Doc is not Missing, or is XXX. | 04/10/2026 | 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<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409041723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/19/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/24/2026 | Evidence of eConsent is provided. | 03/24/2026 | 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<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Borrower does not meet the criterial of experienced XXX for the XXX XXX Expanded DSCR program v13. Max LTV is 70% | ; ; ; Waive for Grade B- Not need per XXX guides- Comp factors DSCR XXX Fico XXX years mortgage history XXX.; ; Audited LTV of 75% exceeds Guideline LTV of 70% Borrower does not meet the criterial of experienced XXX for the XXX XXX Expanded DSCR program v13. Max LTV is 70%; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX Fico XXX years mortgage history XXX.; | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. XXX Time XXX requires XXX months reserves, short by XXX | ; Waive for Grade B- Not need per XXX guides- Comp factors DSCR XXX Fico XXX years mortgage history XXX. ; Waive for Grade B- Not need per XXX guides- Comp factors DSCR XXX Fico XXX years mortgage history XXX. ; ; ; ; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DSCR XXX Fico XXX years mortgage history XXX.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. XXX Time XXX requires XXX months reserves as required per XXX XXX Expanded DSCR guidelines. ; No additional commentary provided- re-opened | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX Time XXX requires XXX months reserves, short by XXX which is XX/XX/XXXX months short. | ; ; ; ; ; Waive for Grade B- Not need per XXX guides- Comp factors DSCR XXX Fico XXX years mortgage history XXX. ; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX Fico XXX years mortgage history XXX. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042762 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Property | Appraisal is Missing | Appraisal is Missing. | ; ; ; Document Uploaded. Documentation received in XXX review.; | 03/30/2026 | Appraisal is Present or is Waived | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044637 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/19/2026 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file contains an internet search of the borrower's business dated XXX and a VVOE which is not dated and references CPA contact (XXX). There is no CPA letter in file to confirm employment tenure and percentage of ownership. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/07/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided CPA letter dated XX/XX/XXXX. LM Updated.; CPA letter provided, but not dated. | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.35% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.35% 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 \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/19/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per FCD, the CTC is XXX and there are no required reserves for LTV. The Final 1003 lists one business bank account #XXX being used to cover the CTC. The is account is also being used for income qualification. File is missing CPA letter confirming use of business funds will not have a negative impact on borrower's business. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | Asset Qualification Meets Guideline Requirements. | 03/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.35% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.35% 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 \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Provide executed Business Purpose Affidavit. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/30/2026 | Business Purpose Affidavit/Disclosure Provided. Exception Resolved. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Provide the executed note prepayment addendum. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/30/2026 | Received executed prepayment addendum. Exception Resolved. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Both Seller's Fraud Report dated XXX and XXX Fraud Guard dated XXX contain alerts for possible property flipping of subject. Per the Fraud Guard, the subject property sold for XXX in XXX ($XXX on XXX per appraisal). Previous significant upgrades/reno addressed in appraisal which appraiser States to be at least XXX years old. XXX provided in file for multiple deferred XXX issues which have been cured. CU score is XX/XX/XXXX and FNMA Property Report shows XXX. However, the property flipping has not been addressed without evidence of recent significant XXX supporting increase of value from XXX to current XXX of $XXX in XXX months (roughly XXX% increase). | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/02/2026 | All Fraud Report Alerts have been cleared or None Exist | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409042908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The bank account (#XXX) used to qualify is a joint account with a 3rd party who also holds the mortgage against their primary residence. This party is not signing on the subject mortgage but is the signor on the 2nd mortgage against the primary residence. The funds from this 2nd XXX XXX were deposited into acct#XXX. The file is missing XXX% access letter giving borrower full and complete access to these funds. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/31/2026 | Asset Qualification Meets Guideline Requirements.; Client provided XXX% Access letter from the 3rd party on the bank account (#XXX). LM Updated. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409043053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Missing the Master Insurance Policy | ; Document Uploaded. ; ; ; ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. ; Documentation received, XXX to review.; ; | 04/21/2026 | HO-6 Master Insurance Policy provided.; Provide current Certificate of Liability and Evidence of Property Insurance for subject property's HOA (Covina Key) due to the policy provided expired on XX/XX/XXXX.; Missing HO-6 Master Insurance Policy -> Provide current Certificate of Liability and Evidence of Property Insurance due to the policy provided expired on XX/XX/XXXX. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing Missing the HO-6 policy. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/27/2026 | HO-6 Insurance Policy is fully present | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/27/2026 | Rent Loss Coverage Present | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Please waive. XXX granted exception. Comp Factors: FICO XXX / DSCR >XXX / Low LTV - XXX / perfect credit history; | 03/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR >XXX / Low LTV - XXX / perfect credit history | 03/30/2026 | 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 62.83% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.83% is less than Guideline CLTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | XXX | Compliance | Final CD: Estimated Taxes, Insurance, & Assessments monthly estimate is inaccurate | The FCD, F1003, and XXX reflect XXX per month for the subject's HOA dues. The appraisal States XXX per month. The actual HOA Statement for the subject reflects XXX per month. Additionally, and HOA Statement for the borrower's REO at XXX (in a different complex from the subject) reflects the HOA dues of XXX per month used for the subject. Lender to provide supporting documentation for the subject HOA dues of XXX per month. | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; please review; Seller asked us to review, but provided no new documentation. DD to reopen finding.; ; Document Uploaded. Both of the properties are owned by an LLC and not required to be included in the borrowers DTI. The only reason we have them listed on the 1003 is because we were paying off the mortgages for those properties and we needed to verify the payment history and which properties they were XXX to. The borrowers are not personally liable for the expenses of either property. The property profiles are XXX showing the ownership. ; Documentation and comment received, XXX to review.; | 04/24/2026 | Updated documentation received ; Finding status updated to Open per XXX request. ; ; Property profiles were provided showing two additional properties not in borrower's name. HOA documentation for discrepancy in subject property still required. | 04/24/2026 | 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.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Waived | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Nonqm loan | ; ; Please waive for B grade. Comp Factors: FICO XXX; Low DTI; Job Stability ; ; Comment received, XXX to review.; XXX Message(XXX) ALERT The loan fees XXX exceed the (ATRQM) (Note Amount >=$XXX) fee limit, which is XXX% of the Total Loan Amount ($XXX), the difference is ($XXX). The system ran a points and fees test for informational purposes. ATR Standard Loans are not subject to the QM Points and Fees Test (12 CFR XXX(c) and (e)(XXX).; | 04/23/2026 | Waived per client request. Risk accepted for B grade. Client acknowledged the following compensating factors for this purpose: FICO XXX; Low DTI; Job Stability.; Points and fees total XXX% which exceeds guideline limits. XXX to review for possible XXX exception. ; | 04/23/2026 | 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.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file does contain verification of the borrower's business as of XXX. However, none of the documentation in file confirms the borrower is XXX% XXX of the business used for both income and asset qualification as required by XXX Expanded Alt Doc GLs V12 (p XXX). | ; Documentation and comment received, XXX to review.; Document Uploaded. There are only XXX shares for this corporation, and the Articles of Incorporation are in the file with XXX only as XXX and sole incorporator... This amendment again confirms him as XXX and XXX since XXX; ; Ownership % has not been documented. DD to reopen finding.; please review; ; Documentation and comment received, XXX to review.; Document Uploaded. borrower is XXX% XXX per the XXX articles of incorporation showing him as the XXX. please remember that XXX buys to NDM's guidelines. thank you,; | 04/23/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Ownership % has not been documented. DD to reopen finding.; All loans are approved to XXX guidelines. XXX to review and determine if exception can be made to their guidelines. | 04/23/2026 | 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.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | There is XXX inquiry (tri-merge) in last XXX days. The LOX in file addresses inquiries from XXX prior to XXX days. Fraud alert indicates possibly another purchase transaction XXX with borrower which was cleared by Lender and separate MERS search is blank. The inquiry date does not match the Lender's credit reports in file. File is missing required LOX regarding the inquiry made within the last XXX days. | ; ; Documentation and comment received, XXX to review.; Document Uploaded. The inquiry from XX/XX/XXXX is an updated report the broker pulled from the original credit report dated XX/XX/XXXX, which expired. ; | 04/23/2026 | Client States: The inquiry from XX/XX/XXXX is an updated report the broker pulled from the original credit report dated XX/XX/XXXX, which expired. | 04/23/2026 | 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.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements CPA to provide letter confirming the use of these funds will not have a negative impact on the borrower's business and income. | ; ; Waive for B Grade. Meets seller guidelines being accepted by XXX - no CPA letter required if borrower owns >XXX% of business. Comp Factors: FICO XXX; Low DTI; Job Stability ; Documentation and comment received, XXX to review.; Document Uploaded. articles of incorporation XXX and showing the borrower the only member.; ; Comment received, XXX to review.; please remember that XXX buys to NDM's guidelines, and clear, as a CPA letter is not required in this case ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; Low DTI; Job Stability; Client provided Articles of Incorporation. Still need CPA to provide letter confirming the use of these funds will not have a negative impact on the borrower's business and income.; All loans are approved to XXX guidelines. XXX to review and determine if exception can be made to their guidelines. | 04/23/2026 | 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.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Waived | XXX | Credit | Application Profile Missing | The Borrower has been qualified using XXX months business bank Statements. Under this program, the Lender requires a Business Narrative. File is missing this required document. | ; Waive for B Grade. Meets seller guidelines being accepted by XXX Comp Factors: FICO XXX; Low DTI; Job Stability ; Comment received, XXX to review.; XXX buys to NDM's guidelines, we don't require a business narrative, please clear; | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; Low DTI; Job Stability; Client States: XXX buys to NDM's guidelines, we don't require a business narrative, please clear. However, XXX Expanded Eligibility Guide V12, Bank Statement Alternative Documentation - XXX also requires for all files, a Business Narrative for this Bank Statement Program. This assists the underwriter to review the reasonableness of the expenses by the borrower. The business narrative should include details related to the size/scope of business, including: Detailed explanation of the business/business profile, Where is business located and any XXX obligations (ie; mortgages/rent) Number of employees, full time/part time or contractors, Does business involve sales of goods or just services? If goods, provide estimated costs of goods and types of goods sold. Any large trucks or materials or equipment, Any other details that would assist in the analysis of business to tie to expenses. | 04/13/2026 | 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.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The FCD, F1003, and XXX reflect XXX per month for the subject's HOA dues. The appraisal States XXX per month. The actual HOA Statement for the subject reflects XXX per month. Additionally, and HOA Statement for the borrower's REO at XXX reflects the HOA dues of XXX per month used for the subject. Lender to provide supporting documentation for the subject HOA dues of XXX per month. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/09/2026 | Client States that both HOAs have increased in payment recently. They provided HOA Statements for both properties reflecting XXX per month. and for XXX reflects XXX per month. LM Updated. | 04/09/2026 | 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.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects monthly insurance, taxes, and association dues of XXX per month for REO XXX and XXX per month for XXX XXX. The file does not contain any documents for the XXX, including taxes, insurance and HOA. Additionally, the file contains an HOA Statement for XXX XXX for XXX per month which has been incorrectly used for the subject. Both properties have mortgages being paid off at closing; however, the XXX TIA costs have not been properly documented. | ; Documentation and comment received, XXX to review.; Document Uploaded. Both of the properties are owned by an LLC and not required to be included in the borrowers DTI. The only reason we have them listed on the 1003 is because we were paying off the mortgages for those properties and we needed to verify the payment history and which properties they were XXX to. The borrowers are not personally liable for the expenses of either property. The property profiles are XXX showing the ownership. ; | 04/09/2026 | Client provided Property Detail report for XXX reflecting Primary XXX Name as XXX. Client States: oth of the properties are owned by an LLC and not required to be included in the borrowers DTI. The only reason we have them listed on the 1003 is because we were paying off the mortgages for those properties and we needed to verify the payment history and which properties they were XXX to. The borrowers are not personally liable for the expenses of either property. The property profiles are XXX showing the ownership. | 04/09/2026 | 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.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 HOA Certification Fee. | ; | 04/08/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/08/2026 | 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.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD issued XX/XX/XXXX as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | ; Document Uploaded. ; Documentation received, XXX to review.; ; Documentation received, XXX to review; Document Uploaded. kind reminder that XXX buys to NDM's guidelines, please review and clear; | 04/08/2026 | Initial CD provided; exception resolved; documentation provided did not contain a copy of the initial CD | 04/08/2026 | 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.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409045424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Waived | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Bank Statement income expense ratio of XXX% was utilized. XXX XXX Expanded program minimum expense ratio is XXX% (with CPA Letter) | ; ; ; Please waive for B grade due to pending variance. Comp factors: Stable job; FICO XXX; perfect credit history ; XXX buys to NDM's guidelines, please clear; ; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Stable job; FICO XXX; perfect credit history. | 04/17/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409045424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Waived | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | Nonqm loan This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | ; Please waive for B grade. Comp factors: Stable job; FICO XXX; perfect credit history ; Documentation received, XXX to review.; Document Uploaded. please see XXX compliance report with passing and XXX message on points and fees please clear XXX Message(XXX) ALERT The loan fees XXX exceed the (ATRQM) (Note Amount >=$XXX) fee limit, which is XXX% of the Total Loan Amount ($XXX), the difference is ($XXX). The system ran a points and fees test for informational purposes. ATR Standard Loans are not subject to the QM Points and Fees Test (12 CFR XXX(c) and (e)(XXX).; ; ; | 04/17/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Stable job; FICO XXX; perfect credit history. | 04/17/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409041768 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for addition of CDA. The appraisal was completed on XX/XX/XXXX as is. The CDA was ordered on XX/XX/XXXX and disclosed XX/XX/XXXX. Provide additional explanation as to why the required CDA was not disclosed sooner. 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 n 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). | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/02/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| 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 70% is less than Guideline LTV of 80%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409040374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Rescinded | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower has a collection account for XXX with DLA of XX/XX/XXXX. FNMA selling guidelines require non-medical collection accounts and charge-offs on non-mortgage accounts that exceed the limits of XXX must paid off at or prior to closing. Provide verification collection account is paid off. | ; ; ; | 04/02/2026 | For one-unit, XXX residence properties, FNMA does not require borrower to payoff outstanding collections or non-mortgage charge-offs, regardless of amount. Finding is rescinded. | 04/02/2026 | C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409041154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required for both taxes and insurance. Per XXX Payment Letter, only insurance was escrowed at closing. | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; ; Document Uploaded. XXX confirming Escrow Waiver at a charge of.XXX.; Documentation received, XXX to review.; ; | 04/24/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR XXX months reserve.; Exception approval received, Please provide at least XXX compensating factors; Escrow waiver received. Approved exception from XXX allowing escrow waiver required. | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044655 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Lease agreement provided reflects property address of "XXX-XXX XXX". Missing lease agreement for subject property. | ; Document Uploaded. updated to reflect address; Documentation received, XXX to review.; ; DD to review - Address listed in finding is tenant address at time lease executed. Lease appears not to have subject address listed - please review and update finding/satisfy. Page XXX-XXX of loan package.; That lease is correct. They are looking at the tenant address at the time the lease was created. ; | 04/09/2026 | Review of lease discloses the subject property as the premises to be rented; condition cleared.; Provide an executed Addendum to the XX/XX/XXXX Lease Agreement identifying the address of the Premises, as it is not indicated in Section XXX | 04/09/2026 | 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 45.57% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.57% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044655 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Document Uploaded. Exception Approved for Escrow Waiver. DD to waive for B Grade. Exception Approval XXX. Comp Factors: Cash Out cover over XXX months tax and insurance amounts; 45.57% LTV; XX/XX/XXXX DSCR; No Mortgage Lates; XXX may review for exception.; | 03/31/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Cash Out cover over XXX months tax and insurance amounts; 45.57% LTV; XX/XX/XXXX DSCR; No Mortgage Lates | 03/31/2026 | 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 45.57% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.57% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ABA Disclosure XXX. ; | 03/25/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/25/2026 | 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%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409042278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | XXX | Compliance | Final HUD-XXX Document is Missing | Final HUD-XXX Document is Missing The loan file contains an Estimated Settlement Statement. Please provide the Final Settlement Statement for this transaction. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | Final Settlement Statement provided. Finding is resolved. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409042278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Missing the XXX Consent. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX QCD. ; | 04/17/2026 | Quit claim deed provided. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409042278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 does not list all of the borrower's properties (Primary) | ; Please review updated 1003; Document Uploaded. ; ; ; | 04/16/2026 | The Final 1003 is Present; Client provided Updated 1003 reflecting the Borrower's Primary Residence. LM Updated. | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409043897 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Waive for B Grade. Meets seller guidelines being accepted by XXX - Comp factors: FICO: XXX / DSCR XX/XX/XXXX / XXX history ; Comment received, XXX to review.; This property is not rural... If the appraiser had it marked rural and corrected it because they were wrong based on the characteristics of the subject and surrounding area. The reason it is not rural is due to the following that is supported by the appraisal: • Marked Suburban • Built up over XXX% • Stable growth • Stable values • Demand in balance • Under three-month XXX time • Present land use is XXX% residential and built out • All amenities and services are in close proximity • All comps are less than a quarter of a mile from the subject, most closed within six months • Adjustments are limited with one comp having zero adjustments at all ; | 04/22/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX / DSCR XX/XX/XXXX / XXX history; | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043897 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX Missing credit report | ; Documentation received in XXX review.; Document Uploaded. ; | 04/20/2026 | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043897 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Provide executed PrePayment Penalty Addendum. | ; Documentation received in XXX review.; Document Uploaded. ; | 04/20/2026 | The Note is Present | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043897 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Provide copy of recorded PUD and 1-4 Family Riders due to Deed of Trust was recorded and county's page count is only XXX pages, include PrePayment Penalty Rider along with evidence document was recorded. | ; Documentation received in XXX review.; Document Uploaded. ; | 04/20/2026 | The Deed of Trust is Present and Complete | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043897 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. B2 -> Provide copy of tri-merge credit report, no frozen bureaus allowed, and must support XXX trade lines reporting for XXX months or XXX reporting for XXX months with activity in past XXX months. | ; Documentation received in XXX review.; Document Uploaded. JOINED CREDIT REPORT XXX; | 04/20/2026 | Borrower 2 Credit Report is not missing. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043897 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. B1 -> Provide copy of tri-merge credit report, no frozen bureaus allowed, and must support XXX trade lines reporting for XXX months or XXX reporting for XXX months with activity in past XXX months. | ; Documentation received in XXX review.; Document Uploaded. XXX JOINED CREDIT REPORT; | 04/20/2026 | Borrower 1 Credit Report is not missing. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2026 | Rescinded | XXX | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis | ; Please rescind. Appraisal 1004d was in the original upload showing repairs completed.; | 05/01/2026 | Client States: Please rescind. Appraisal 1004d was in the original upload showing repairs completed. 1004D found on page XXX or original file. | 05/01/2026 | D<br> A | B | A<br> D | B<br> D | B<br> D | B<br> D | B<br> D | B<br> A | A | A | A | A | A |
| 409043576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2026 | Resolved | XXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. | ; Documentation received, XXX to review.; Document Uploaded. IEADS - INITIAL ESCROW ACCOUNT DISCLOSURE XXX.; | 04/28/2026 | Initial Escrow Account Disclosure is Resolved | 04/28/2026 | 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<br> D<br> A<br> B | B | A<br> D | B<br> D | B<br> D | B<br> D | B<br> D | B<br> A | A | A | A | A | A |
| 409043576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2026 | Resolved | XXX | Property | Appraisal is Missing | Appraisal is Missing. | ; Documentation received, XXX to review.; Document Uploaded. PLEASE SEE XXX ORIGINAL APPRAISAL. ; ; | 04/28/2026 | Appraisal is Present or is Waived; Client provided Appraisal for subject property. LM Updated. | 04/28/2026 | 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<br> D<br> A | B | A<br> D | B<br> D | B<br> D | B<br> D | B<br> D | B<br> A | A | A | A | A | A |
| 409043576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2026 | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing No Final 1003 reflected in file. | ; Documentation received, XXX to review.; Document Uploaded. Final 1003 XXX; | 04/23/2026 | Received final signed 1003. Exception Resolved. | 04/23/2026 | 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<br> D<br> A | B | A<br> D | B<br> D | B<br> D | B<br> D | B<br> D | B<br> A | A | A | A | A | A |
| 409043270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX ; | 03/30/2026 | Client provided additional Bank Statement for XXX #XXX, XXX Months bank Statement for XXX #XXX, XXX #XXX and Apple #XXX. LM Updated.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 03/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.86% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX ; | 03/30/2026 | Client provided additional Bank Statement for XXX #XXX, XXX Months bank Statement for XXX #XXX, XXX #XXX and Apple #XXX. LM Updated.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 03/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.86% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The primary borrower's Final 1003 reflects XXX bank accounts used to qualify. XXX acct# XXX & XXX acct# XXX have no documentation in file which are needed to cover the CTC. XXX acct# XXX and XXX #XXX only have one month verified. Lender guidelines require asset verification per FNMA Seller Guide which require XXX months verification on purchases. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX ; | 03/30/2026 | Asset Qualification Meets Guideline Requirements.; Client provided additional Bank Statement for XXX #XXX, XXX Months bank Statement for XXX #XXX and XXX #XXX. LM Updated. | 03/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.86% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | The subject loan is vested in an LLC. According to the XXX the business was newly formed on XXX. The file is missing all business entity documentation including (if applicable): Certificate of Formation, Articles of Organization, Operating Agreement, & EIN. Since business was established within less than XXX months of closing and is in Florida, neither verification of Good Standing or XXX Consent required. | ; Document Uploaded. Please see XXX ; Documentation received, XXX to review.; | 03/30/2026 | Client provided IRS Notice assigning EIN, Operating Agreement, XXX search dated XX/XX/XXXX and Entity Review report dated XX/XX/XXXX. LM Updated. | 03/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.86% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete The Note refers to a prepayment addendum. The file is missing the Prepayment Penalty Note Addendum. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX ; | 03/30/2026 | The Note is Present; Client provided Prepayment Addendum to Note. LM Updated. | 03/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.86% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409040227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/23/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per the Final 1003, the borrower has been renting for XXX years at XXX per month. The file is missing the required verified rental history confirming no more than XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/23/2026 | Documentation is sufficient. VOR provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 04/23/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/23/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/13/2026 | 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.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409044398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043564 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; Comp Factors were listed in initial comment. DD to clear for B Grade. Comp Factors: XXX FICO; XXX mos PITIA personal reserves; XX/XX/XXXX DSCR; No Mortgage Lates.; Document Uploaded. Exception Approved. DD to waive for B Grade. Exception XXX.; XXX to review for exception | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XXX mos PITIA personal reserves; XX/XX/XXXX DSCR; No Mortgage Lates.; Exception request received, please provided at least XXX compensating factors. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the housing history for the property for XXX | ; Documentation received, XXX to review.; Document Uploaded. Please see payment history XXX to clear the file for funding Thank you; | 04/06/2026 | Housing History Meets Guideline Requirements; Client provided Credit Report reflecting XXX - Verified account information per conference call with XXX at XXX. The next payment is due on XX/XX/XXXX. XXX. LM Updated. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409039297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. Lender approved Exception for rent loss coverage on HO6 less than minimum. Compensating factors listed are high personal reserves, No mortgage late payments and experienced XXX | ; Documentation received, XXX to review.; Document Uploaded. Please find final policy with rent loss ins ; | 04/01/2026 | Loss Rent Coverage is Sufficient -> Review of updated policy, premium had slight increase and DSCR XXXs at XXX% which is within guidelines. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409043859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | XXX | Credit | Title Document is XXX Present | Title Document is incomplete or only XXX present. Per XXX DSCR v13, Title - No more than XXX days from the note date. Prelim in the file is dated XX/XX/XXXX and the note is dated XX/XX/XXXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/07/2026 | Client provided Commitment for Title. LM Updated.; Title Document is fully Present.; Client provided Commitment for Title. However, the Commitment date is XX/XX/XXXX the Note date is XX/XX/XXXX (Over XXX year). Per XXX DSCR v13, Title - No more than XXX days from the note date. Prelim in the file is dated XX/XX/XXXX and the note is dated XX/XX/XXXX. | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Property | Appraisal is Expired | Primary Value Appraisal is Expired | ; Document Uploaded. 1004D in loan package. DD to review.; The 1004D is on page XXX of the file upload. It is in the original file.; ; | 04/07/2026 | Client provided 1004D. LM Updated.; Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | XXX | Property | Appraisal is Missing | Appraisal is Missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/31/2026 | Appraisal is Present or is Waived | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032350 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. The Final 1003 is Incomplete 1003 shows XXX but borrower is a Permanent Resident per permanent resident card. |  | 04/20/2026 | Updated Final 1003 provided. Finding is resolved. ; The Final 1003 is Present | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032350 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Loan is XXX year interest only per the closing disclosure. Payment of XXX also reflects interest only. Note shows fixed rate with no IO terms. |  | 04/20/2026 | Updated Note provided. Finding is resolved. ; The Note is Present | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032350 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Borrower is married, XXX is a XXX State and the spouse did not sign the deed of trust. |  | 04/20/2026 | Designation of XXX and Disclaimer of Non XXX provided. Finding is resolved. ; The Deed of Trust is Present and Complete | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032350 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Title Document is XXX Present | Title Document is incomplete or only XXX present. Non-borrowing spouse is not listed as a vested XXX on title. |  | 04/20/2026 | Designation of XXX and Disclaimer of Non XXX provided. Finding is resolved. ; Title Document is fully Present. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032350 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraisal identifies damaged garage siding, but it does not provide a cost to cure. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/10/2026 | The issue with the property has been resolved.; Updated appraisal received. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032350 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; ; Please waive as per below.; | 04/10/2026 | Waived/Acknowledged per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX DSCR XXX) XXX FICO XXX) Seasoned XXX. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032353 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. 1003 shows XXX but borrower is a Permanent Resident per permanent resident card. |  | 04/20/2026 | Updated 1003 provided. Finding is resolved.; The Final 1003 is Present | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032353 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Borrower is married Per 1003 and the other XXX applications that go with this, but the Mortgage shows borrower is "a single man". XXX is a XXX State and the spouse did not sign the deed of trust. | The Deed of Trust is Incomplete Borrower is married Per 1003 and the other XXX applications that go with this, but the Mortgage shows borrower is "a single man". XXX is a XXX State and the spouse did not sign the deed of trust. | 04/20/2026 | Updated DOT provided. Finding is resolved. ; The Deed of Trust is Present and Complete | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032353 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Loan is XXX year interest only per the closing disclosure. Payment of XXX also reflects interest only. Note shows fixed rate with no IO terms. |  | 04/20/2026 | Updated Note provided. Finding is resolved. ; The Note is Present | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032353 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | purchase Contract is Incomplete | Loan Purpose is purchase but purchase Contract Doc is Incomplete Final contract price is XXX per the final closing disclosure. Missing the addendum to the purchase agreement showing this. | Loan Purpose is purchase but purchase Contract Doc is Incomplete Final contract price is XXX per the final closing disclosure. Missing the addendum to the purchase agreement showing this. | 04/20/2026 | Updated purchase Contract provided. Finding is resolved. ; purchase Contract Doc is complete. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032353 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Title Document is XXX Present | Title Document is incomplete or only XXX present. Non-borrowing spouse is not listed as a vested XXX on title. |  | 04/20/2026 | Updated DOT provided to solve this finding. Finding is resolved. ; Title Document is fully Present. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032366 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Borrower is married, XXX is a XXX State and the spouse did not sign the deed of trust. |  | 04/20/2026 | Updated DOT was provided. Finding is resolved. ; The Deed of Trust is Present and Complete | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032366 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Title Document is XXX Present | Title Document is incomplete or only XXX present. Spouse also should be listed as vested on title but is not. | ; | 04/20/2026 | Updated DOT was provided. Finding is resolved. ; Title Document is fully Present. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032366 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Loan is XXX year interest only per the closing disclosure. Payment of XXX also reflects interest only. Note shows fixed rate with no IO terms. |  | 04/20/2026 | Updated Noted was provided. Finding is resolved. ; The Note is Present | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete The Note is Incomplete Loan is XXX year interest only per the closing disclosure. Payment of XXX also reflects interest only. Note shows fixed rate with no IO terms. | The Note is Incomplete The Note is Incomplete Loan is XXX year interest only per the closing disclosure. Payment of XXX also reflects interest only. Note shows fixed rate with no IO terms. | 04/21/2026 | The Note is Present; Updated Note provided. Finding is resolved. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXX | Property | External Obsolescence Present | External obsolescence present. External obsolescence due to location near commercial property. Appropriate adjustments were made, and this is not a guideline violation. Provided for information only. | External obsolescence present. External obsolescence due to location near commercial property. Appropriate adjustments were made, and this is not a guideline violation. Provided for information only. | 03/25/2026 | Information only. | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Less than XXX months of bank Statements provided for Grasshopper account. | ; ; ; Document Uploaded. XXX (XXX) reflects XXX days of account data requested. Please clear finding.; | 03/30/2026 | XXX provided for XXX days. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409042239 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/24/2026 | Waived | XXX | Credit | Application Profile Missing | Business Narrative missing. | ; Please waive for Grade B (XXX guides) - Comp factors- DTI-XXX%, LTV 53.27%, XXX years in subject property; | 03/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DTI-XXX%, LTV 53.27%, XXX years in subject property | 03/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.27% is less than Guideline LTV of 80% \| 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 53.27% is less than Guideline CLTV of 80% \| 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Seller's Fraud Report is required and has not been provided. | ; Documents uploaded for review.; Document Uploaded. ; ; | 03/31/2026 | Third Party Fraud Report is provided | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043786 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required signed business narratives for XXX and XXX for the XXX XXX Expanded bank Statement program v12 | ; Please waive for Grade B- comp factors- XXX Score, XXX years on jobs, XXX% DTI.; | 03/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Score, XXX years on jobs, XXX% DTI. | 03/30/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/24/2026 | Resolved | XXX | Credit | Missing Lender Income Calculation Worksheet | The Borrowers have been qualified using XXX mos business bank Statements. Loan program requires Lender's Income Calculation worksheet which has not been provided. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/31/2026 |  | 03/31/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409044043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/23/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/30/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/30/2026 | 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.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409045660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% Per FM overlay Audited LTV of 80% exceeds Guideline LTV of 75% Per FM overlay | ; Document Uploaded. DD to waive for B Grade. Exception XXX. Comp Factors: XXX Expanded Guidelines Allow 80% LTV; XXX FICO; XXX mos PITIA reserves; XXX% DTI; LTV outside of Variance but permitted under XXX Expanded program guidelines. Exception entered.; ; | 04/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX Expanded Guidelines Allow 80% LTV; XXX FICO; XXX mos PITIA reserves; XXX% DTI; XXX to review for XXX exception. ; FMHL variance provided. Variance provided shows Max LTV for a Investment property purchase XXX% LTV is 80%. XXX has approved this variance for purchase, and the LTV is outside the approved XXX Variance but is within XXX Expanded guidelines. XXX to review for exception to variance. | 04/10/2026 | 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.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045660 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for the XXX XXX Expanded bank Statement program v12 | ; DD to waive for B Grade. Seller does not require business narrative. This has not been added to variance yet but after review with XXX team on other sellers loans fine to proceed without narrative. Comp Factors: XXX mos PITIA reserves, XXX% DTI; XXX FICO; | 04/06/2026 | Waived per client. Client accepts a risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA reserves, XXX% DTI; XXX FICO. | 04/06/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044653 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of XXX | ; ; Documentation received, XXX to review.; Document Uploaded. The replacement cost estimators are in the credit package for both units - please see XXX. ; | 03/31/2026 | Client provided RCE for both Units ($XXX and $XXX) additional Policy was added to LM. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Client provided RCE for the subject. LM Updated. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044653 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Guidelines require XXX months rent loss insurance (XXX = $XXX) but insurance reflects Loss of Rents or XXX | ; ; Documentation received, XXX to review.; Document Uploaded. This is a XXX-unit property. Please find XXX HOI for XXX XXX with loss rent coverage XXX and for XXX XX/XX/XXXX XXX with loss rent coverage XXX Please note that both evidence of insurance are in the credit package - also XXX. ; | 03/31/2026 | Client States: This is a XXX-unit property. Please find XXX HOI for XXX XXX with loss rent coverage XXX and for XXX XX/XX/XXXX XXX with loss rent coverage XXX Please note that both evidence of insurance are in the credit package - also XXX. Additional Policy was added to LM. LM Updated.; Loss Rent Coverage is Sufficient | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409041496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042330 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Please waive for B grade. XXX has granted an exception. COMP FACTORS: • Fico XXX • DSCR >XXX • LTV XXX • Excellent reserves documented ; ; ; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose Fico XXX • DSCR >XXX • LTV XXX • Excellent reserves documented | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.8% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.8% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044616 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Compliance | 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. | ; Document Uploaded. ABA Disclosure (XXX). ; Documentation received, XXX to review.; | 03/30/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/30/2026 | 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.<br> C<br> A<br> B | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409044616 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 Certificate of Insurance. | ; Documentation received, XXX to review.; Document Uploaded. Change in Circumstance (XXX). ; | 03/30/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/30/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409042549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042858 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Page XXX of the XXX shows property does not have HOA fees. Page XXX comments State "HOA fees include common area XXX". There is a PUD rider in the file, but the appraisal report is not marked as PUD. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/16/2026 | Property/Appraisal Meets Guidelines; Client provided updated Appraisal reflecting HOA comments removed from page XXX LM Updated. | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409043174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Per XXX v12, XXX months of reserves are required on the subject loan with a LTV of 69.97% and using alternative income documentation. | ; Document Uploaded. DD to waive for B Grade. Approved Exception XXX. Note to Seller: Please be advised there is XXX bps hit to price for exception Approval; Please review and advise on an exception; | 04/08/2026 | Client approved an exception to guidelines to allow for loan being short XXX full months of required reserves. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO, no mortgage lates in XXX months, XXX% DTI, 69.97% LTV (max of XXX%). | 04/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 80% \| 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 69.97% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Per XXX v12, XXX months of reserves in the amount of XXX on the subject loan with a LTV of 69.97% and using alternative income documentation. The borrower has total assets of XXX including funds received at closing. | ; Document Uploaded. DD to waive for B Grade. Approved Exception XXX. Note to Seller: Please be advised there is XXX bps hit to price for exception Approval; Please review and advise on an exception; | 04/07/2026 | Client approved an exception to guidelines to allow for loan being short XXX full months of required reserves. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO, no mortgage lates in XXX months, XXX% DTI, 69.97% LTV (max of XXX%). | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 80% \| 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 69.97% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | The loan file was missing the XXX. Lender did not provide ATR/QM Status Determination. | ; ; Documentation received, XXX to review.; Document Uploaded. The compliance will be found on the legal package page XXX to XXX and please find XXX. ; | 04/07/2026 | compliance report received | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 80% \| 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 69.97% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per XXX v12, a loan that was modified must have two years since modification date. The loan file contained modification documentation reflecting the loan was modified on XX/XX/XXXX. The subject loan closed on XX/XX/XXXX. The modification does not meet the two years seasoning requirement. | ; Documentation received in XXX review.; Document Uploaded. Please also see the XXX note in the spouse's name only, and this should not count against the borrower. Please review and advise ,; Document Uploaded. Note uploaded DD to review. Per Seller Comment "Loan was in spouse's name only. Borrower has been on title on and off since XXX and spouse put it back in Trust XX/XX/XXXX."; Per Seller Comment "Loan was in spouse's name only. Borrower has been on title on and off since XXX and spouse put it back in Trust XX/XX/XXXX." - DD to review comment and update condition. Appears no supporting documentation in loan package that loan in name of spouse solely.; I couldn't locate any modification documents on the file, please advise ,; | 04/07/2026 | Housing History Meets Guideline Requirements; The modified mortgage in question is in the name of the borrower's spouse, who is not a borrower on the subject loan. The spouse signed the Note as Trustee, not individually. Finding is resolved.; Loan Modification in file dated XX/XX/XXXX. Loan was modified, signed by borrower's spouse and Note holders extending the terms of the loan. XXX XXX guidelines do not allow for modification in the past XXX years. | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 80% \| 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 69.97% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Per XXX v12, a satisfactory explanation letter from the borrower addressing any derogatory credit events if the event occurred in the last XXX years. The loan file contained modification documentation dated XX/XX/XXXX. The loan file is missing the satisfactory explanation letter for the modification. | Per XXX v12, a satisfactory explanation letter from the borrower addressing any derogatory credit events if the event occurred in the last XXX years. The loan file contained modification documentation dated XX/XX/XXXX. The loan file is missing the satisfactory explanation letter for the modification. | 03/27/2026 | The modified mortgage in question is in the name of the borrower's spouse, who is not a borrower on the subject loan. The spouse signed the Note as Trustee, not individually. Finding is resolved. | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.97% is less than Guideline LTV of 80% \| 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 69.97% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045649 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043714 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Application Profile Missing | The Borrower has been qualified using XXX mos bank Statement income. This program requires a Business Narrative which has not been provided. | ; ; DD to waive for B Grade. Seller underwrites to their own guides which do not require business narrative. This was brought up with XXX team and variance will need updated but fine to proceed without. Comp Factors: 50% LTV; XXX% DTI; XXX FICO; XXX mos PITIA Reserves; No Mortgage Lates in XXX mos; | 04/06/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 50% LTV; XXX% DTI; XXX FICO; XXX mos PITIA Reserves; No Mortgage Lates in XXX mos | 04/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% 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%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Borrower owns an investment property on XXX. There is no verification in file indicating there are no HOA dues owed on this property per the Final 1003. | ; Documentation received, XXX to review.; Document Uploaded. this property is a SFR, which would have no HOA fees; | 04/06/2026 |  | 04/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% 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%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409039521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409040587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Guaranty Agreement was not available at the time of review | ; ; Please waive for Grade B (XXX does not require escrow)- Comp factor Fico XXX DSCR XXX LTV 70%; | 03/31/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Fico XXX DSCR XXX LTV 70% | 03/31/2026 | 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 70% is less than Guideline LTV of 765%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; ; Please waive for Grade B (XXX does not require escrow)- Comp factor Fico XXX DSCR XXX LTV 70%; Please waive for Grade B (XXX does not require escrow)- Comp factor Fico XXX DSCR XXX LTV 70%; | 03/31/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Fico XXX DSCR XXX LTV 70% | 03/31/2026 | 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 70% is less than Guideline LTV of 765%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Pages XXX to XXX of the Final 1003 are missing. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/08/2026 | The Final 1003 is Present | 04/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.23% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.23% is less than Guideline LTV of 75% \| 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. Co-borrower's government issued identification and/or a completed Patriot Act form is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/08/2026 | Photo Identification provided. | 04/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.23% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.23% is less than Guideline LTV of 75% \| 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Borrower's government issued identification and/or a completed Patriot Act form is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/08/2026 | Photo Identification provided. | 04/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.23% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.23% is less than Guideline LTV of 75% \| 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Certificate of Good Standing missing. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/07/2026 | Client provided Certificate of Good Standing. LM Updated. | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Maximum LTV for XXX time XXX that intent to self-manage is XXX% Management intention not in loan file, therefore, lower amount used. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/07/2026 | Audited LTV of 75% is less than or equal to Guideline LTV of 75%; Client provided LOE stating: Regarding the purchase of XXX Woodhall ST XXX MI XXX as an investment DSCR property we will be using a property management company and it will not be self managed. LM Updated. | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Lender Approved Exception to allow XXX% seller credit. Compensating factors include: XXX credit score, XX/XX/XXXX DSCR score, $XXX in assets to cover reserves. | ; ; Exception approved- please waive - comp factors770 credit score, XX/XX/XXXX DSCR score, borrower has XXX in assets ; | 04/06/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX credit score, XX/XX/XXXX DSCR score, borrower has XXX in assets | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041672 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; ; Please waive for Grade B- (not required for XXX at XXX%) - Comp factor Fico XXX DSCR XXX 70% LTV>; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Fico XXX DSCR XXX 70% LTV> | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041679 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Affidavit of Occupancy or Business Purpose Affidavit | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/13/2026 | Business Purpose Affidavit/Disclosure Provided; Business Purpose Affidavit/Disclosure Missing. | 04/13/2026 | 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 46.67% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 90%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409041679 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/06/2026 | Required Affiliated Business Disclosure Documentation Provided.; Required Affiliated Business Disclosure Missing. | 04/06/2026 | 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 46.67% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 90%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Rescinded | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Two bank accounts used for asset qualification are business accounts and are also being used for income qualification. GLs are silent of the use of business funds. FNMA Seller's Guide specifically States the use of business funds is permitted provided the borrower owns XXX% of the business and that the use will not disrupt the company's operations. An Exception is in file allowing for XXX mos reserves vs XXX mos provided they are personal funds. However, there are insufficient personal funds to cover CTC. Lender to provide a CPA letter confirming the use of business funds for both CTC and reserves will not have a negative impact on the borrower's business. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/15/2026 | Per client, "Per underwriting, cpa letter is not required – only cash flow analysis." Rescinded per client. Analysis provided; Per client, "Per underwriting, cpa letter is not required – only cash flow analysis." Rescinded per client ; Per XXX: Exception was not approved. Borrower are required to have the full XXX months and funds to close. | 04/15/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy The FCD and Tax and Insurance Information Sheet both reflect flood insurance in place. The actual policy has not been provided. | Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/13/2026 | Flood Insurance Policy is fully present; Client provided executed Notice of Special Flood Hazards Disclosure. LM Updated.; Provide a copy of the executed Notice of Special Flood Hazards Disclosure.; Flood Insurance Policy is fully present | 04/14/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. File is missing primary housing verification. The F1003 reflects the borrower renting a home for XXX per month. There is no lease, VOR, or XXX mos bank Statements reflecting housing history of max XXX in file. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/10/2026 | Lender provided copies of XXX months checks to verify the housing history. LOE States no lease and has lived at the property for XXX years. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 04/10/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Loan does not conform to program guidelines | XXX Expanded v12 guidelines State no expense factor for bank Statement income can be less than XXX% XXX underwrites to XXX's guidelines that allow XXX% Waived per XXX request. Risk accepted for B grade. Client acknowledges the following compensating factors for this purpose: 70% LTV for primary, XXX score, XXX years credit depth. | XXX Expanded v12 guidelines State no expense factor for bank Statement income can be less than XXX% XXX underwrites to XXX's guidelines that allow XXX% Waived per XXX request. Risk accepted for B grade. Client acknowledges the following compensating factors for this purpose: 70% LTV for primary, XXX score, XXX years credit depth. | 04/09/2026 |  | 04/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. The loan file was missing B1's photo ID. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/02/2026 | Photo Identification provided. | 04/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. The loan file was missing B2's photo ID. | ; Documentation received, XXX to review.; see uploaded; | 04/01/2026 | Photo Identification provided. | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX and XXX for the XXX XXX Expanded bank Statement program v XX/XX/XXXX | ; Please waive for Grade B (not required per XXX guides)- Comp factors - 70% LTV for primary, XXX score, XXX years credit depth.; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose 70% LTV for primary, XXX score, XXX years credit depth. | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the IEAD. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/31/2026 | Initial Escrow Account Disclosure is Resolved | 03/31/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/31/2026 | Evidence of eConsent is provided. | 03/31/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042658 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide XXX months VOM with no more than XXX for rental properties with mortgages disclosed on the initial 1003 except XXX Penninsula Rd which is reflected on the credit report. | ; ; XXX requires a mortgage history on the primary residence and the subject if it is a refinance. If other mortgages show on the credit report, they must meet the XXX, but a history does not need to be provided. Please review and rescind finding, if appropriate.; ; Mortgage history is only required for subject (refi) and primary. Please review and Rescind. ; | 04/06/2026 | ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide XXX months VOM with no more than XXX for rental properties with mortgages disclosed on the initial 1003 except XXX Penninsula Rd which is reflected on the credit report as required per XXX guidelines. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The initial application reflects XXX XXX's not disclosed on the final application. Provide the missing REO pages. | ; Document Uploaded. Documentation received, XXX to review.; ; ; | 04/06/2026 |  | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; Please waive for grade B- Comp DSCR XXX Fico XXX over XXX million in assets; ; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DSCR XXX Fico XXX over XXX million in assets | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043535 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; ; Loan is already priced for escrow waiver- please clear finding- XXX DSCR, XXX FICO, over XXX million in assets; | 04/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX DSCR, XXX FICO, over XXX million in assets | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043535 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Hazard Insurance does not reflect loss of rent coverage (minimum of XXX months) as required by guidelines. | Documentation received, XXX to review.; Document Uploaded. Hazard reflects loss of use under primary coverages of $XXX. ; | 04/22/2026 | Documentation is sufficient. Hazard policy provided. Exception resolved.; Rent Loss Coverage Present | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Required rent loss insurance coverage missing from HOI policy. | ; Waive for Grade B (not required in XXX guides) - Comp Factors DSCR XXX Score, mortgage history dates back to XXX; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DSCR XXX Score, mortgage history dates back to XXX | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; Waive for Grade B (not required in XXX guides) - Comp Factors DSCR XXX Score, mortgage history dates back to XXX; ; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DSCR XXX Score, mortgage history dates back to XXX | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045332 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the housing history for the properties on XXX and XXX | ; ; Please waive for grade B- ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Housing history is only required for primary residence and subject property, not required for addl investment. ; | 04/27/2026 | Client approved an exception to guidelines to allow for consideration of XXX guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO, XX/XX/XXXX DSCR, and experienced XXX. ; Borrower to provide at least one fully executed lease agreement for an income-producing investment property to meet DSCR experienced borrower guidelines. The borrower has demonstrated concurrent ownership of one XXX of the required two XXX for at least XXX months within the most recent XXX-month period, with ownership of the primary residence supported by an Eastern Bank Statement.; Per XXX XXX guidelines, mortgage history required for all properties owned by borrower to ensure mortgage history falls within guidelines. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045332 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ; ; Waive for Grade B (not required for XXX)- comp factors- XX/XX/XXXX DSCR, XXX FICO, XXX years in primary residence, experienced XXX. ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XX/XX/XXXX DSCR, XXX FICO, XXX years in primary residence, experienced XXX. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045332 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 to reflect all mortgages matched to their respective properties. | ; ; ; Waive for Grade B (not required for XXX)- comp factors- XX/XX/XXXX DSCR, XXX FICO, XXX years in primary residence, experienced XXX. ; | 04/23/2026 | Client approved an exception to guidelines to allow for consideration of XXX guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO, XX/XX/XXXX DSCR, and experienced XXX.; The Final 1003 is Present | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | XXX DSCR Guidelines require Executed W9 for borrower/guarantor and any business listed as XXX on title. Missing Executed W9 for XXX and missing Executed W9 for XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; ; | 04/17/2026 |  | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Please waive for Grade B (XXX guides do not require)- Comp factor DSCR XXX FICO XXX LTV 65%; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DSCR XXX FICO XXX LTV 65% | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Non-escrow per XXX Payment Letter and escrow account is required per guidelines. | ; ; Please waive- exception approved- XXX DSCR, XXX FICO, over XXX million in assets; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX DSCR, XXX FICO, over XXX million in assets | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044646 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/10/2026 | The Final 1003 is Present | 04/10/2026 | 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.<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409044646 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Income documentation does not meet guidelines | Missing CPA letter stating XXX% business expense ratio. | ; Sent to escalations.; Loan qualified with personal bank Statements, business Statements in file to confirm expenses only. per XXX guide page XXX allows for XXX% use of bank Statements with XXX business bank Statements in file. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/09/2026 | Expense ratio is not required for personal bank Statement program. Finding is resolved. ; Client States: Sent to escalations.; Client provided CPA letter, Business Narrative, XXXhip Agreement, IRS EIN assignment and LOE for Pay Structure. However, the CPA letter to be updated to indicate the amount for the Business Expense Ratio (program guideline allowable minimum is XXX%).; Client provided CPA letter, Business Narrative, XXXhip Agreement, IRS EIN assignment and LOE for Pay Structure. However, the CPA letter to be updated to indicate the amount for the Business Expense Ratio (program guideline allowable minimum is XXX%). | 04/09/2026 | 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.<br> D<br> A<br> C | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409044646 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The file does not contain evidence that a CD was provided on the day the mortgage was signed and notarized. The last CD available in the file was issued on XX/XX/XXXX and received by the consumer on XX/XX/XXXX. There is an incomplete CD signed by the borrower at closing, however the CD is incomplete. If a CD was provided at consummation, provide for testing if CD was received electronically, please provide evidence of receipt as well as the e-consent. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/08/2026 | TRID: Final Closing Disclosure Provided | 04/08/2026 | 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.<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409042548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Borrower 2 Award Letter Missing | Borrower 2 Award Letter Missing Missing proof of receipt of B2 pension for XXX per month | ; Documentation received, XXX to review.; Document Uploaded. Please see updated 1008 and 1003 to clear condition.; | 04/02/2026 | Borrower 2 Award Letter Provided or XXX (Number of Borrowers equals XXX) | 04/02/2026 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043499 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Waived | XXX | Credit | Loan does not conform to program guidelines | Missing client approved exception documentation. |  | 03/31/2026 | Document Uploaded. The client approved an exception to allow for the use of the current appraised value and for the subject property being listed within XXX month of the loan application date. The listing was cancelled on XX/XX/XXXX with an application date of XX/XX/XXXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Borrower currently owns XXX investment properties, $279k in liquid assets, XXX FICO score, and mortgage history on bureau dated back to XXX | 05/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A<br> B | A | A | A | A | A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/16/2026 |  | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 536.93% exceeds Guideline LTV of 75% The subject was purchased XX/XX/XXXX for XXX and the appraised value as of XX/XX/XXXX is XXX The appraiser notes that an estimated XXX was put into the subject to completely renovate it, which is supported by the appraisal photos, but the loan file lacks any additional supporting documentation or receipts. | ; ; Please correct LTV - XXX has granted exception to use current value for LTV calculation - for B grade. COMP FACTORS: • FICO XXX • DSCR XXX • Perfect credit hisory ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | Updated LTV based off of current appraised value per credit exception approval. ; ; Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose. FICO XXX / DSCR XXX / Perfect credit history.; Copy of XXX om listing provided. XXX Guidelines require Documented improvements must be supported with receipts or equivalent verifiable documentation. XXX listing is not equivalent of receipts. | 04/27/2026 | 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 75% is less than Guideline CLTV of 536.93%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Waived | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the housing payment history for the property on XXX XXX. | ; Please waive for B grade. XXX granted exception - COMP FACTORS: • FICO XXX • DSCR XXX • Perfect credit hisory ; XXX Reviewing for exception. Please note there may be an impact to pricing.; Documentation received, XXX to review.; Document Uploaded. ; ; XXX requires housing history only on subject (refinance) and primary res. Please review and rescind. ; ; | 04/24/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR XXX and perfect credit history.; Exception requested. XXX to review for approval ; DSCR program requires an experienced borrower to own a minimum of XXX concurrently for at least XXX months within the most recent XXX mos. The property located at XXX East 95th St supports ownership exceeding XXX months; however, the subject property was acquired on XX/XX/XXXX resulting in approximately XXX months short of meeting the XXX month concurrent ownership requirement. | 04/24/2026 | 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 75% is less than Guideline CLTV of 536.93%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. The current loss rent coverage is insufficient and does not meet guideline requirements. Missing the Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Loss Rent Coverage is Sufficient | 04/13/2026 | 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 75% is less than Guideline CLTV of 536.93%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | There is one credit XXX inquiry in last XXX days with no required LOX addressing the inquiry in file. | ; ; Documentation received, XXX to review.; Document Uploaded. Please waive this condition, per the credit report that is already in file shows no credit inquiries in the last XXX days, the credit report dated XX/XX/XXXX; | 04/07/2026 | Review of credit report; condition cleared. | 04/07/2026 | 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.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Cured | XXX | Compliance | Incorrect rescission model used - RTC form model H-XXX 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 The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (-new XXX of money with the same creditor). Model H-XXX was provided; because the property is located in XXX, model H-XXX should have been used. | ; Documentation received, XXX to review.; Document Uploaded. Please see NORTC to clear condition.; | 04/07/2026 | New RTC provided; exception downgraded to a 2/B | 04/07/2026 | 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.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Application Profile Missing | The Borrower was qualified using XXX months business bank Statements. The Business Narrative required for this program has not been provided. | ; Documentation received, XXX to review.; Document Uploaded. please see XXX business narrative LOE to clear condition; | 04/01/2026 | Business narrative supported; condition cleared. | 04/01/2026 | 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.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409042447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the housing history for the second mortgage on the primary residence with a XXX monthly payment. | ; Documentation and comment received, XXX to review.; Document Uploaded. LOX from back on the HELOC. They made a typo on the year, LOX on front clears it up that it was from XXX ; ; ; ; Document Uploaded. ; | 04/10/2026 | Housing History Meets Guideline Requirements; ; Client provided XXX letter stating the Borrower's current HELOC balance is XXX with a monthly payment of $XXX. An additional letter dated XX/XX/XXXX the mortgage has been paid as agreed as of XX/XX/XXXX with no late payments. LM Updated. | 04/10/2026 | 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<br> D<br> A<br> C | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing the Verification of the existence of borrower's self-employment verified through a third-party source and no more than thirty XXX calendar days prior to the Note date. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/10/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided XXX Secretary of State reflecting formation date XX/XX/XXXX and Internet look up for XXX. However, the documents are not dated. | 04/10/2026 | 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<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Missing Updated Credit Report Supplement | Missing documentation per debt on 1003 installment contact with Contract for XXX monthly payment and balance of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/10/2026 | Lender provided evidence of the payments for XXX and $XXX. | 04/10/2026 | 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<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/06/2026 | Evidence of eConsent is provided. | 04/06/2026 | 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<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409045985 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Executed W-XXX for XXX, as required by XXX DSCR guidelines. W-XXX Forms are required for both the LLC and the Member that signed the guaranty agreement. Executed W-XXX that was provided is only for Member. Missing Executed W-XXX for LLC. | ; Documentation received in XXX review.; Document Uploaded. W9; | 04/08/2026 | Client provided W-XXX for XXX. LM Updated. | 04/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% 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 Comp Factor<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2026 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing the Verification of the existence of borrower's self-employment verified through a third-party source and no more than thirty XXX calendar days prior to the Note date. | Documentation and comment received, XXX to review.; Document Uploaded. All the business documents for XXX were in the file. CPA Attestation Form showing borrower owned XXX percent of XXX. ; ; DD to re-review. VVOE documentation dated XX/XX/XXXX which is within XXX days of note date. CPA Verification; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX; | 04/10/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Provide a current, active liquor license for XXX, as the State of XXX requires annual renewal.; Provide third party verification for B1's business and be dated no more than thirty XXX calendar days prior to the Note date. | 04/13/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Missing Letter of Explanation (Income) | The Borrower has been qualified using XXX Months Business Bank Statement Income. The Initial 1003 reflects income of $50K per month. The Final 1003 income used to qualify is XXX per month. This is significantly higher than the initial income and, per Lender guidelines for Bank Statement Income, requires "an explanation from the borrower to determine acceptability of the income". This letter has not been provided. | ; DD to waive for B Grade. Exception Approval XXX. DD will need to update income figure to lower monthly amount of $XXX and any LLPA XXX with the DTI change will apply. Comp Factors: - FICO XXX - XXX months reserves - Significant business cashflow - DTI  | 04/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX - XXX months reserves - Significant business cashflow - DTI  | 04/27/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The Borrower has been qualified using XXX mos business bank Statements. The Final 1003 reflects the same account being used for asset qualification to cover CTC and reserve requirements. Lender Guidelines are silent on the use of business funds and defer to FNMA. FNMA Seller's Guide allows for the use of business funds; however, the Lender must confirm that the use of these funds will not compromise business operations or the borrower's ability to repay the mortgage. The CPA letter in file does not address the use of business funds. | ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: - FICO XXX - XXX months reserves - Significant business cashflow - DTI  | 04/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX - XXX months reserves - Significant business cashflow - DTI  | 04/27/2026 | 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.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Waived | XXX | Credit | Application Profile Missing | The Borrower has been qualified using XXX Months Business Bank Statements. This program requires a Business Narrative which has not been provided. | ; DD to waive for B Grade. Seller does not require per their guidelines. Variance does not address but fine to proceed without with review with XXX Team on previous loans. Comp Factors: XXX% DTI; XXX FICO; XXX mos PITIA reserves; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX% DTI; XXX FICO; XXX mos PITIA reserves | 04/01/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Rescinded | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; XXX to review for exception; | 03/31/2026 | The loan has an escrow account. Finding is rescinded. | 03/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. One of the accounts used to qualify is a business acct (XXX #XXX). The Operating Agreement for the account holding business reflects the borrower and her spouse as XX/XX/XXXX owners. The file is missing XXX% access letter or corporate resolution allowing the borrower full access to these funds. | ; Documentation received, XXX to review.; Document Uploaded. See XXX.; ; Per escalation to DD with rebuttal - Guidelines require that access to funds is identified. The Operating Agreement only identifies ownership at XX/XX/XXXX. We still need to confirm that the borrower has full access to these funds. Please refer to Business Funds section of XXX DSCR program guidelines. Advise if unable to cure how to proceed. - DD to reopen finding; The managing parter is her husband, and also the person who gave her the gift funds to fund the loan, so the assumption could be drawn that he has consented to the XXX account as well. We operated under the assumption that she is XXX% XXX of the company and has full access to the account. ; | 04/28/2026 | Received executed resolution for XXX to have XXX% access to all business accounts. Exception Resolved.; Re-opened finding for review. | 04/28/2026 | D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. File contains a VOM for mortgage from XXX Glover but not from XXX. These are private loans not rating to any credit bureaus and were taken out on XXX. Mortgage payment history is required for both mortgages being paid off against the subject property. Since these loans are privately held, both must be verified using XXX months cancelled checks and or bank Statements confirming Mortgage History with max XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. See XXX.; ; Documentation received, XXX to review.; Payment history is re-XXX directly from the private lender. It was included in the original package. The payment history is for both loans, the payoff is just delegating the portions of the payoff that need to go to each individual, but the payment history covers both of the loans as they were tecXXXically the same loan from a private money lender; | 04/28/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; VOM and pay history provided meets FNMA requirements. Finding is resolved. ; ; Earlier notes indicate that XXX H Glover and XXX are tecXXXically the same lender. The title and settlement Statement both reflect a payoff to the private lender XXX H Glover and a payoff to XXX. Earlier notes indicate the payment history provided is combined for both loans. Received a private VOM from XXX Glover which is not acceptable to verify mortgage history per guidelines. Private mortgages require the most recent XXX months bank Statements and/or cancelled checks for each mortgage payment. If the borrower only made XXX combined payment each month, it will require Third Party Verification that XXX H Glover and XXX are in fact, tecXXXically the same lender and provide copies of the original notes. ; Provide a Verification of Mortgage (VOM) to independently confirm mortgage payment history, as the submitted documentation requires further validation. | 04/28/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Subject loan has been approved under the DSCR guidelines v13 and is vested under an LLC. Per GLs, an executed W-XXX must be provided and is not in file. | ; Documentation received, XXX to review.; Document Uploaded. XXX is the w-XXX. it was included in the original package.; | 04/06/2026 | W9 indicates LLC; condition cleared. | 04/06/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042705 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042700 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Rescinded | XXX | Credit | 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. Per Policy in file |  | 03/30/2026 | The subject transaction is a refinance and the insurance policy was effective prior to the disbursement date. Finding is rescinded. | 04/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042707 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Rescinded | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; | 03/31/2026 | The loan has an established escrow account. Finding is rescinded. | 03/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide final Title policy with coverage for the final loan amount of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/06/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Client provided Commitment for Title reflecting Proposed Amount of Insurance XXX LM Updated. | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409043134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Rescinded | XXX | Credit | purchase Contract does not Match Final CD | The final CD does not reflect the correct XXX when compared to the purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(vii) Interested Party Contributions $64,XXX exceed Total Closings Costs XXX by $XXX. Reduced XXX from XXX to $XXX. | ; ; ; ; | 04/24/2026 | Interested Party Contributions XXX exceed Total Closings Costs XXX by $XXX. Reduced XXX from XXX to $XXX. Finding is rescinded. | 04/24/2026 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Waived | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The calculated DTI of XXX% exceeds the maximum guideline limit of XXX% The loan was approved using a DTI of XXX%. The variance is due to the lender using XXX in rental income, while the VOR/Supplement reflects XXX | ; XXX has granted exception to allow rental income from subject. Please adjust DTI accordingly. COMP FACTORS: • FICO XXX • LTV XXX • Low DTI (if using subject rent) • Excellent reserves after closing ; XXX to review for exception. Please note there may be an impact to pricing.; Clarified calculation in condition. ; ; Document Uploaded. Uploaded the XXX.. nsure where the XXX noted in the condition as other expenses is being listed. XXX appropriately matching the URLA reflecting XXX in total payments/expenses....$XXX (PITI for subject after rental being used) + XXX (Primary expense.. hich is actually $XXX) + XXX (Debts on credit.. redit card/installment). Sorry.. am still not clear where your DTI is coming from and specifically the XXX being referenced?; Sorry.. am unclear of the issue. The Credit Supplement reflecting XXX is XXX with the borrower primary housing expense XXX with XXX Skyler Drive. If anything it appears our DTI is double dipping and the borrower is being debted for a XXX primary expense as opposed to XXX I am unsure where XXX in rental income is on the URLA that is noted in the condition?; Documentation and comment received, XXX to review.; ; | 04/24/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX • LTV XXX • Low DTI (if using subject rent) • Excellent reserves after closing.; ; Per XXX, use of rental income may be allowed with asset depletion on XXX Expanded v12 per FNMA guidance with exception review, and this will be addressed with new guidelines to be published in May/XXX XXX More conservative estimate of market rents utilized XXX with XXX in market rents (from the XXX) at XXX% = XXX - XXX = XXX for the subject rental income and DTI of XXX% XXX to review for exception.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; ; ; | 04/24/2026 | 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 56.25% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.25% is less than Guideline CLTV of 80%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Asset 2 Expired | Asset 2 Expired. XXX Exchange. | ; Please review document provided showing XXX funds; Documentation received, XXX to review.; Document Uploaded. XXX letter with Final Settlement Statement. Hoping this will be sufficient to support the XXX Exchange funds.; | 04/15/2026 | Asset 2 Not Expired Or XXX.; Asset 2 Not Expired Or XXX. | 04/20/2026 | 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 56.25% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.25% is less than Guideline CLTV of 80%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044338 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Potential Occupancy/Current Address Issues identified in the file | The Final 1003 declarations section indicates the borrower will occupy the subject as a primary residence. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/28/2026 | Corrected 1003 received correcting occupancy; Intent of borrower's occupancy supported The Final 1003 declarations section indicates the borrower will occupy the subject as a primary residence. | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044338 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per XXX DSCR v13 guidelines, All loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. | ; Documentation and comment received, XXX to review.; Document Uploaded. Here is the dec page showing rent loss coverage. Its on page XXX; | 04/28/2026 | Rent Loss Coverage Present | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Please waive for B grade - XXX granted exception. Comp factors: FICO XXX / DSCR XX/XX/XXXX / LTV XXX / Locked with escrow waiver.; This is not required, please waive this condition. It sounds like our XXX team has been waiving escrows with a XXX price adjuster. ; | 04/20/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR XX/XX/XXXX / LTV XXX / Locked with escrow waiver. | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.65% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.65% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Operating Agreement, Articles of Org, Cert of Good Standing for XXX | ; Documentation received, XXX to review.; Document Uploaded. Business Docs; | 04/07/2026 | Client provided Certificate of Good Standing for XXX dated XX/XX/XXXX, Articles or Organization, Initial Resolutions and IRS Assignment of EIN. LM Updated. | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.65% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.65% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046118 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045989 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Hazard insurance shows "Business income and extra expense" at actual cost but does not State the $ limit per montXXXths covered. | Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Rent Loss Coverage Present | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043914 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Other Assets shows XXX evidence found on page# XXX which shows it is holding for trust account. Requesting for Proof of transfer to the borrower account. | ; Documentation received, XXX to review.; Document Uploaded. see XXX; | 04/08/2026 | Asset Record XXX Meets G/L Requirements Or XXX; Settlement provided. | 04/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.16% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.16% is less than Guideline CLTV of 770% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409046127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP for FNMA is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; CU Score over XX/XX/XXXX - Secondary valuation required from CDA or CCA; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/09/2026 | Third party valuation product provided within tolerance.; Provide a desk review from either Collateral Desk Review (CDA) or Consolidated Collateral Analysis (CCA), as required by XXX DSCR loan program. | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409046131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Evidence of mortgage history for the subject property at XXX missing. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; VOM received. Finding is resolved. ; Provide an updated payoff Statement disclosing the cross-collateralized properties: XXX XXX XXX, XXX XXX XXX, XXX XXX XXX XXX, XXX XXX, and XXX XXX XXX.; Payment history indicates these are the XXX properties XXX with XXX XXX XXX, XXX, XXX. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 85.51% exceeds Guideline LTV of 75% The subject property was listed for sale in the amount of XXX The listing expired XX/XX/XXXX with an application date of XX/XX/XXXX. Guidelines State the lower of the listing value or appraised value must be used if the subject was listed within the last XXX months of the application date. | ; Comment received, XXX to review.; Please waive this condition, The Appraisal shows subject was listed for sale in XXX for XXX which is higher than the appraised value of XXX (guidelines State to use the lower of listing or appraised value if listed in the last XXX months). The listing expired on XX/XX/XXXX which is over XXX month from the application date per guidelines.; | 04/07/2026 | Audited LTV of 75% is less than or equal to Guideline LTV of 75% | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042841 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Waived | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Lender Approved Exception in file for not meeting minimum tradeline requirements. Compensating factor is the ownership of XXX REO's free and clear. | ; ; Document Uploaded. DD to waive for B Grade. Approved Exception XXX. Comp Factors: DSCR XXX Fico XXX LTV 48%; | 04/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX Fico XXX LTV 48% | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042841 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Document Uploaded. DD to waive for B Grade. Exception XXX. Comp Factors: DSCR XXX Fico XXX LTV 48%, Reserves post close to cover XXX mos tax and insurance; XXX to review for exception.; | 04/20/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX Fico XXX LTV 48%, Reserves post close to cover XXX mos tax and insurance. | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042841 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | 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. Missing proof of Hazard Insurance Effective prior to the disbursement date of XX/XX/XXXX. | Documentation and comment received, XXX to review.; Document Uploaded. Final SS and PCCD provided with package showing close/disb XXX; | 04/10/2026 | Subject property located in an escrow State; condition cleared. | 04/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Compliance | Final HUD-XXX Document is Missing | Final HUD-XXX Document is Missing The settlement Statement provided is estimated. Please provide the final settlement Statement for review. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | Final settlement Statement provided. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409042863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Rescinded | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Deed of Trust missing prepayment rider. | ; Documentation and comment received, XXX to review.; Document Uploaded. There's never a prepayment rider on the DOT, only a prepayment addendum to the note; | 04/27/2026 | ; The DOT does not reflect a PPP and is not required. Condition Rescinded. | 04/27/2026 | D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409039271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Section 2a. Assets needs to be completed for B2. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 04/08/2026 | The Final 1003 is Present; Client provided Updated 1003 for B2. LM Updated. | 04/08/2026 | 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 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV 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<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409039271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/07/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/07/2026 | 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 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV 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<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409041859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property appears to be a unique property. It has one bedroom, when comparables have XXX bedrooms. Subject property also has XXX. Comparables have a large amount of adjustments across the XXXrd. | ; ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Property/Appraisal Meets Guidelines; Client provided Updated Appraisal with XXX Comment Addendums reflecting: The subject is a unique property in an area with very limited data. It is not a XXX bedroom home, there is one bedroom on the XXX level, open sleeping areas on the 2nd floor and XXX bedrooms in the walk-out basement. Then additional XXX has been addressed in the report. It is not unusual to have numerous adjustments for a unique property in an area with very few sales. As mentioned in the original report, the comps used are believed to be the best, if not only, value indicators, The XXX (if permitted) is a legal improvement and typical for the area. After speaking with XXX I'm told that the basement finish (including the XXX) was not specifically permitted; this will need to take place; I presumed that the basement finish was part of the original permit but am told otherwise. Homeowner indicates that the builder will be calling for a CO on the basement finish and it's presumed that the permit will be obtained at that time. I am making my appraisal subject to the basement finish and basement XXX being permitted. LM Updated.; Client provided LOE. However, LOE is for Explanation of Income. | 04/20/2026 | 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<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409041859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Income) | Per XXX Expanded v12 guidelines, If income calculated is significantly higher than income Stated on the 1003, an explanation from the borrower is required. B2 income on initial 1003 was XXX and calculated income was XXX | ; | 04/01/2026 | Client provided LOE (found in Appraisal Condition) stating: This is a letter of explanation regarding the income Stated on the application we submitted for a home refinance back in XXX of XXX I was just quickly estimating how much I make monthly from the company that my wife and I own. I do take small monthly draws but was not factoring in the total business income. My loan officer assured me we would get a more accurate number so this was just a very quick start to getting the process going. LM Updated. | 04/14/2026 | 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<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The subject property is zoned XXX, XXX, and has XXX views. The appraiser did not provide any similar comps with the same external obsolescence. | ; Comp factor- XXX Score, XX/XX/XXXX DSCR, Experienced XXX; ; Documentation received, XXX to review.; Document Uploaded. ; Document Uploaded. ; Documentation received, XXX to review.; ; ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Score, XX/XX/XXXX DSCR, Experienced XXX; XXX to provide XXX compensating factors.; approved exception with compensating factors required to downgrade to B grade. ; One or more issues or defects with the property have been discovered. The subject property is zoned XXX, XXX, and has XXX views. The appraiser did not provide any similar comps with the same external obsolescence. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - XXX UW reviewing with Management. Pending update.<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Other Rider is Missing | Interest Only Rider indicated on the Mortgage document is Missing. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/08/2026 | Client provided Interest Only Period Rider. LM Updated. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - XXX UW reviewing with Management. Pending update.<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | 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. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/06/2026 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided. | 04/06/2026 | 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 60% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Title Document Missing | Title Document is missing Missing title search or title commitment for lender's title insurance. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/06/2026 | Title Document is fully Present; Client provided Commitment for Title. LM Updated. | 04/06/2026 | 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 60% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing final page of Deed of Trust with notary information. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/06/2026 | The Deed of Trust is Present and Complete | 04/06/2026 | 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 60% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042663 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Income) | There is evidence of declining cashflow: Gross deposits in the most recent XXX months (XXX - XXX XXX) average approximately $XXX, a XXX% drop from the prior XXX months average of $XXX. Withdrawals exceed deposits in XXX of XXX months. Provide explanation. | Documentation received, XXX to review.; Document Uploaded. ; | 04/09/2026 | LOE received. | 04/12/2026 | 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%<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409042663 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 Points. This violation can also be cured by providing an updated disclosure within XXX business days of COC dated XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/07/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/07/2026 | 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%<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409042663 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/07/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/07/2026 | 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%<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409043878 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Rescinded | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Evidence of current housing payment history for additional REO missing. | ; Which properties are you referencing, this is a DSCR. ; Comment received, XXX to review.; the additional properties are owned free and clear. can you confirm what is needed?; ; | 04/08/2026 | Re-review of guides - Rescinded. No evidence history is required. | 04/08/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Rescinded | XXX | Credit | Missing Lease Agreement | Leases in file for the two unit subject equal XXX and XXX combined XXX per month. Lender qualified Borrower using XXX monthly. Missing lease renewal or updated lease. | ; ; ; ; ; ; There was an addendum in file increasing one unit to XXX is confirmed. ; ; | 04/06/2026 | Addendum is contained in the loan file showing rent increase to XXX Finding is rescinded. ; ; Addendum to lease increase was missing from file. Please provide for review. | 04/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Rescinded | XXX | Credit | Missing rent comparable schedule form 1007 | Missing third party market rent source. Property is a XX/XX/XXXX family unit, Rental operating Statement was not provided. | ; Appraisal is for XXX unit and reflects rental information. Please escalate. ; ; Subject is a XXX unit - and appraisal was completed for XXX unit. No additional information is required. Please clear finding.; ; | 04/06/2026 | Rental information provided in loan file. Finding is rescinded. ; Appraisal was in file, but missing rental information as required per guidelines. | 04/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041676 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2026 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 Loan Discount Points. | ; ; ; Document Uploaded. ; ; Document Uploaded. ; Documentation received, XXX to review.; ; Could you please advise the refund amount. Thanks; ; ; Documentation received, XXX to review.; ; ; Document Uploaded. Per closer funded on the 13th, we closed on the XX/XX/XXXX it funded XX/XX/XXXX I am unsure where the failure is? This loan failed the TILA right of rescission test ; Documentation and comment received, XXX to review.; ; | 04/28/2026 | ; Cure package provided to the borrower; exception downgraded to a 2/B; Cure package is missing a copy of the check, will downgrade upon receipt ; Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC.; no additional documentation was uploaded; PCCD provided shows cure however the XXX cure package was not included, provide LOE, copy of check and proof of delivery to downgrade; PCCD provided shows cure however the XXX cure package was not included, provide LOE, copy of check and proof of delivery to downgrade | 04/28/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409041676 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | TILA Right of Rescission Test | Documentation Required: The disbursement date of XX/XX/XXXX is on or before the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel. The Mortgage/Deed of Trust is missing. The Disclosure Tracking Summary provided in loan file reflects the Revised CD was received on XX/XX/XXXX. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. | ; Comment received, XXX to review.; Per closer funded on the XXX, we closed on the XX/XX/XXXX it funded XX/XX/XXXX I am unsure where the failure is? This loan failed the TILA right of rescission test; ; ; | 04/08/2026 | PCCD and Mortgage provided; exception resolved; PCCD and Mortgage provided; exception resolved | 04/08/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409041676 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Provide MISSING MORTGAGE document. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/08/2026 | The Deed of Trust is Present; Client provided Recorded Mortgage for the subject property. LM Updated. | 04/08/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409042684 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Subject transaction closed in an LLC (XXX) Missing all XXX documentation. Articles of organization/Good standing, EIN, W-XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; W9 provided for XXX; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | ; Certificate of Good Standing and EIN provided. Missing W-XXX executed by LLC. ; Provide a current Certificate of Good Standing dated within XXX days of the Note date, along with a copy of the EIN documentation. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Missing current lease agreement for Unit XXX of subject property | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | Documentation is sufficient. Lease Agreement provided. Exception resolved. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Property determined to be unique. Subject is a XXX unit property, but contains XXX. Appraiser did not address three XXX in a XXX unit property. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | The issue with the property has been resolved.; Appraisal updated. Addresses XXX in second unit. ; XXX to review. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409045211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Missing the XXX consent form. | Please note that this was escalated as far as we can go. XXX consent will be required to cure this finding. If unable to cure, please advise if loan to be withdrawn. DD to reopen finding; The signed interXXX deed should be treated as a consent ; XXX has reviewed and escalated with DD, Compliance, and outside council - XXX Consent is required; ; Document Uploaded. ; Seller Rebuttal has been reviewed by XXX Compliance and determined that XXX Consent is required. In community property States still potentially entitled to an interest in the property, this opens the lien up to potential unenforceability. - DD to reopen finding; Seller rebuttal in review with XXX compliance. Property located in XXX - community property State. DD to reopen finding pending review.; Please be advised that the spouse not on the Note, also as per the Deed, XXX XXX XXX "the borrower " a married woman as her sole and separate property, nothing is needed, please review and clear the condition; | 04/14/2026 | Property Title Issue Resolved; Client provided InterXXX Transfer Grant Deed. LM Updated.; XXX consent is still required even though we have a transfer Grant Deed. Finding has been reopened. ; Property Title Issue Resolved; Client provided InterXXX Transfer Grant Deed. LM Updated. | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.25% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.25% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044339 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing the Business Purpose Affidavit/Disclosure | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX Business Purpose Affidavit/Disclosure; | 04/27/2026 | Business Purpose Affidavit/Disclosure Provided. Exception resolved. | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.55% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.55% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044339 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; ; Please waive for B grade. XXX has granted an exception. COMP FACTORS: • FICO XXX • LTV 64.55% • Experienced XXX ; | 04/01/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX • LTV 64.55% • Experienced XXX | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.55% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.55% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Property is currently considered ineligible as appraisal was completed "subject to" without the benefit of a completion report. | ; Documentation received, XXX to review.; Document Uploaded. ; 1004D provided ; Document Uploaded. ; ; | 04/17/2026 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; Client provided 1004D for the subject property dated XX/XX/XXXX. LM Updated. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044645 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Waived | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Loan Origination Fee XXX Underwriting Fee $XXX. It appears lender originated loan as Non QM. | ; ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX Comp Factors: Points and Fees Less than XXX%; XXX% DTI; XXX per montXXXth residual income; XX/XX/XXXX mos PITIA reserves; XXX FICO; No mortgage lates in last XXX months; 66.54% LTV. Note to Seller - Please be aware lock updated with pricing impact for exception approval. XXX price adjustment for exception approval; Exception approved with XXX hit to price. Seller to please acknowledge update to pricing. ; ; Document Uploaded. Please find XXX compliance report, exceeded just a XXX above XXX% but still below XXX% - requesting an exception please. ; Documentation and comment received, XXX to review.; ; Please push back. This is a DSCR loan and it does not comply with TRID. ; Comment received, in XXX review.; This is DSCR loan and does not comply with TRID/RESPA. Please waive this condition. ; Comment received, XXX to review.; | 04/23/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Points and Fees Less than XXX%; XXX% DTI; XXX per montXXXth residual income; XX/XX/XXXX mos PITIA reserves; XXX FICO; No mortgage lates in last XXX months; 66.54% LTV.; Subject is a primary residence and qualified with bank Statements. this is not a DSCR loan; Subject is a primary residence and qualified with bank Statements. this is not a DSCR loan | 04/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.54% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.54% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044645 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Less than XXX months of asset Statements provided for XXX account. | ; Document Uploaded. Gift Letter XXX to UW - Uploaded and Sent to DD for review; XXX account #XXX is not borrowers account. Exception to be reviewed for undocumented gift funds.; ; Document Uploaded. Please find XXX Statement. Borrower had sufficient funds verified for closing and reserves and was not aware they could come from another party - please request an exception. ; Documentation and comment received, XXX to review.; ; Can we please request for an exception on this condition? ; DD to reopen. - XXX month provided for XXX. No Statement provided for XXX #XXX; ; Document Uploaded. Funds are coming from proceeds of this loan transaction. Please see XXX final settlement Statement. Please waive this condition. ; Documentation and comment received, XXX to review.; | 04/23/2026 | Client approved an exception to guidelines to allow for XXX month of bank Statements for XXX account when guideline requirement is XXX months. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 66.54% LTV; XXX FICO; XX/XX/XXXX mos PITIA reserves; XXX% DTI; XXX per montXXXth residual income. ; XXX to review.; Reopened for XXX to review. ; Provide most recent XXX mos bank Statements for XXX #XXX due to the copy of check dated XX/XX/XXXX supports funds used which is supported by the Post Closing Final Closing Disclosure -> uploaded document has no association to this transaction. | 04/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.54% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.54% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044645 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for the XXX XXX Expanded bank Statement program v12 | Documentation received, XXX to review.; Document Uploaded. Please find XXX Business Narrative. ; ; Documentation and comment received, XXX to review.; Document Uploaded. Please see XXX business purpose cert; business narrative is not required as this is a DSCR loan. ; | 04/09/2026 | Business narrative received. ; Business Narrative is required to explain business operations and support expense analysis, as this transaction utilized the XXX Expanded XXX month bank Statement program -> uploaded document has no association to this transaction. | 04/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.54% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.54% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044645 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 Credit Report Fee. A COC dated XX/XX/XXXX was provided with no specific reason given. It appears that an updated credit report was run on XX/XX/XXXX, which would exceed timing requirements for a red-disclosed fee on XX/XX/XXXX. | ; Document Uploaded. Apologies as I mixed this up with another file. Please find XXX revised CD and COC which were in the credit package already (pg XXX-XXX); the credit fee increase was addressed on the COC. ; Documentation and comment received, XXX to review.; ; ; Thank you. Yes please push back as this is a DSCR loan. ; Comment received, in XXX review.; This is a DSCR loan and is not TRID/RESPA compliant. Please waive this condition.; Comment received, XXX to review.; | 04/10/2026 | Valid COC due to credit supplement provided; exception resolved; Subject is a primary residence and qualified with bank Statements. this is not a DSCR loan and is subject to TRID requirements; Per the XXX and signed notarized occupancy affidavit, in file the transaction is a refinance of a primary residence alternative document XXX month bank Statement income loan subject to full compliance testing. Please provide valid COC's or cure package. Exception XXXs. | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.54% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.54% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2026 | Rescinded | XXX | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% Guidelines allow for gift funds to meet the XXX% requirement for LTV less than XXX% primary residence. | ; Please review and rescind. Borrower is not a FTHB; LTV is less than XXX no minimum borrower contribution is required.; | 04/06/2026 | Borrower contribution met. | 04/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 70.86% exceeds Guideline LTV of 70% XXX% > XXX% max LTV allowed per guidelines. B1 meets guideline requirements as a XXX time XXX and max 70% LTV allowed. The appraisal reflects a deed transfer on XXX for XXX and States the subject sold on XXX for $XXX. HUD in file dated XXX shows the borrower's business did a cash out refi on the property. XXX XXX Expanded DSCR guidelines reflects a property owned < XXX months, use the lesser of the cost basis or appraised value. Audit used XXX as prior purchase price as indicated on the appraisal which resulted in the LTV exceeding guidelines. | ; ; Document Uploaded. ; ; Exception approved for LTV over guidelines. ; ; ; | 04/21/2026 | Updated condition status to Waived per XXX policy. ; Guidelines State the maximum LTV is 70%. The subject loan closed at XXX% exceeding guidelines. However, a credit exception was approved for the higher LTV of 70.86%. Acknowledged and downgraded.; XXX to provide Exception Approval.; Provide a copy of the Final Closing Disclosure or Settlement Statement to confirm the purchase price, along with documentation of property improvements supported by receipts or other verifiable evidence. This is required to support the use of the XXX cost basis/appraised value in accordance with XXX DSCR guidelines, as the maximum allowable LTV for XXX-time XXX is XXX% | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | D | A<br> D<br> C | D<br> C<br> A | D<br> C<br> A | D<br> C<br> A | D<br> C<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The final application reflects XXX year at the primary residence. The VOR only reflects rental history from XXX (XXX months). Provide a most recent XXX month housing history with along with no more than XXX and a corrected application if applicable. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/15/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not XXX present.; Updated VOR received. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | D | A<br> D<br> C | D<br> C<br> A | D<br> C<br> A | D<br> C<br> A | D<br> C<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided The appraisal reflects a deed transfer on XXX and a non-arm's length sale on XXX. Provide a XXX month chain of title. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/08/2026 | Satisfactory Chain of Title has been provided | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | D | A<br> D<br> C | D<br> C<br> A | D<br> C<br> A | D<br> C<br> A | D<br> C<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | Missing HUD-XXX Closing Statement | Provide final HUD for the purchase of the subject property dated XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/02/2026 | Review of settlement Statement was the cashout refinance of the subject property dated XXX mos from this transactions Note date. | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | D | A<br> D<br> C | D<br> C<br> A | D<br> C<br> A | D<br> C<br> A | D<br> C<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Less than XXX months of asset Statements provided for XXX accounts ending in XXX and XXX | ; ; DD to waive for B Grade. As long as minimum of XXX month Statements documented for assets used to qualify fine to proceed without second month with review with XXX Team. Comp Factors: XX/XX/XXXX mos PITIA reserves; XXX% DTI; XXX FICO; No Mortgage lates in last XXX months.; Please review and advise on an exception; | 04/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX/XX/XXXX mos PITIA reserves; XXX% DTI; XXX FICO; No Mortgage lates in last XXX months. | 04/27/2026 | 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<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Although the loan documents were wet signed by the borrower, the appraisal report was issued via electronic XXXl. An eConsent is required acknowledging the receipt of loan documents via electronic XXXl. Provide an eConsent dated on or before XX/XX/XXXX. | Document Uploaded. Please see XXX, kindly request a rush review on that last condition since that already took more than usual. TY; Documentation received, XXX to review.; Update made XX/XX/XXXX - Evidence of appraisal delivery reviewed, however, exception for electronic consent XXXs. The eSigned consent disclosure is missing, appraisal was provided electronically. Under XXX(a)(XXX), appraisals provided in electronic form must comply with consent provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act).; Document Uploaded. We have the XXX proof of delivery and that what we also provided for the appraisal, please see XXX and kindly advise ,; Documentation and comment received, XXX to review.; ; Documentation received, XXX to review.; we have the proof of the appraisal delivery and the appraisal waiver, this is not an HPML loan, also there is no rules for e-sign consent since the appraisal was sent via XXX and we have the proof, also was never a problem with any of our XXX. Please be advised that this is the last condition open on this file, kindly rush review and clear it ; ; Document Uploaded. Please be advised that there is no rule that an e-consent must be provided if the appraisal was sent via XXX. Also, please find XXX appraisal waiver signed by the borrower. ; Documentation and comment received, XXX to review.; Updated Condition. ; All the disclosure is wet signed, nothing is missing since noting was e signed. Please review and clear the condition; DD to review seller comments "All the disclosure is wet signed, nothing is missing since noting was e signed. Please review and clear the condition"; | 04/23/2026 | Evidence of eConsent is provided.; Evidence of appraisal delivery reviewed, however, exception for electronic consent XXXs. The eSigned consent disclosure is missing, appraisal was provided electronically. Under XXX(a)(XXX), appraisals provided in electronic form must comply with consent provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act). ; Under XXX(a)(XXX), appraisals provided in electronic form must comply with consent provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act). The appraisal was provided via XXX and evidence of consent was not provided. eConsent is required. ; Appraisal may be delivered to the consumer in electronic form subject to compliance with consumer consent per CFPB. §1002.14 Rules on providing appraisals and other valuations; (5) Copies in electronic form. The copies required by § XXX(a)(XXX) may be provided to the applicant in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act) (XXX U. XXX et seq.).; Although no documents were e-signed the appraisal was delivered via XXX and requires consent to receive documents electronically. Please provide e-consent on or before XX/XX/XXXX. | 04/24/2026 | 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<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Compliance report was not provided. Lender did not provide ATR/QM Status Determination. | ; Documentation received, XXX to review.; Document Uploaded. The compliance report was on the legal package page XXX to XXX and please see XXX; | 04/08/2026 |  | 04/08/2026 | 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<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Waived | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX months of bank Statements. XXX XXX # XXX is file are Asset Report summaries. Income and DTI amounts may change when XXX months bank Statements submitted and reviewed. | ; ; Fine to proceed with XXX as documentation as long as minimum of XXX months documented to qualify borrower. Accepted by FNMA. Seller guidelines allow but not specifically address in XXX expanded guides. Discussed with XXX team on previous sellers loans and fine to accept XXX. Can downgrade for B Grade if required but does meet requirements for asset Statement. Comp Factors: XXX% DTI; XXX FICO; No Mortgage Lates in last XXX months; XX/XX/XXXX mos PITIA reserves; | 04/15/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX% DTI; XXX FICO; No Mortgage Lates in last XXX months; XX/XX/XXXX mos PITIA reserves | 04/15/2026 | 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%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | MISSING MORTGAGE Statements for XXX XXX and XXX. This may affect DTI. | ; Document Uploaded. taxes, insurance and HOA (on appraisal) for XXX Lenore ; ; Documentation and comment received, XXX to review.; Document Uploaded. XXX is a new mortgage that does not have any payments due until XX/XX/XXXX - either way it is owned in an LLC and note in an LLC - XXX - we have a supplement instead of the mortgage Statement - see XXX. Updated current rating is on the refresh report. ; | 04/14/2026 | ; Provide property tax and homeowner's insurance documentation for XXX, Unit XXX as PITI was included in borrower qualification. Notes were received for a 1st mortgage XXX and a 2nd mortgage ($XXX), which do not indicate that the loans are consolidated for the XXX property. | 04/14/2026 | 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%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | purchase Contract is Incomplete | Loan Purpose is purchase but purchase Contract Doc is Incomplete Missing revised sales contract or addendum stating down payment is XXX not $XXX. | ; Documentation received, XXX to review.; Document Uploaded. See XXX. The XXX deposit was documented and in the file as regular funds sent to escrow for closing ; | 04/13/2026 | purchase Contract Doc is complete. | 04/13/2026 | 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%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Rescinded | XXX | Credit | purchase is not considered to be an Arm's Length Transaction | purchase is not considered to be an Arm's Length Transaction The Originator is related to the borrower, they are cousins. | ; Per XXX Expanded Guidelines: The following non-arm's length transactions are eligible: Originator is related to the borrower; | 04/06/2026 | ; Meets guideline requirements for NAL. | 04/06/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Waived | XXX | Credit | Application Profile Missing | Business Narrative missing. | ; DD to waive for B Grade. Seller does not require. Reviewed on previous loans with XXX team and fine to proceed without pending update to variance. Comp Factors: XXX% DTI; XXX FICO; No Mortgage Lates in last XXX months; XX/XX/XXXX mos PITIA reserves; | 04/06/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX% DTI; XXX FICO; No Mortgage Lates in last XXX months; XX/XX/XXXX mos PITIA reserves | 04/06/2026 | 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%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide missing Final XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/21/2026 | Documentation is sufficient. XXX provided. Exception resolved.; Approval/Underwriting Summary is fully present | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409041507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Missing chain of title verification to meet XXX month ownership seasoning requirement. XXX when borrower purchased property. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/21/2026 | Documentation is sufficient. Warranty Deed provided proving more than XXX months ownership. Exception resolved.; Satisfactory Chain of Title has been provided | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409041819 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX | ; ; Document Uploaded. Please see requested W-XXX for XXX; Documentation received, XXX to review.; | 05/01/2026 | Received W-XXX for XXX. Exception Resolved. | 05/01/2026 | 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 26.32% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 70%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041819 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Provide subject property HOI policy. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX HOI Binder; ; | 04/20/2026 | Hazard Insurance Policy is fully present | 04/20/2026 | 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 26.32% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 70%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041819 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage | ; Document Uploaded. Please see XXX HOI Binder which includes Rent Loss Insurance coverage, also confirmed in XXX XXX from XXX; Documentation received, XXX to review.; | 04/20/2026 | Rent Loss Coverage Present | 04/20/2026 | 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 26.32% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 70%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Majority of the deposits received are via wires. Provide documentation to support the following deposits are business related: XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX and XXX on XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 | Review of business narrative States import/export logistics which supports counter credits; condition cleared. | 04/14/2026 | 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%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/29/2026 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Provide CPA LOX that indicates use of business funds for closing will not affect business. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/14/2026 | Asset Record XXX Meets G/L Requirements; Provide an updated CPA letter addressing whether the use of business funds will negatively impact the business. This documentation is required for additional validation of the information provided. | 04/14/2026 | 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%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. The loan file contains XXX Dept of Public Safety Temporary Permit valid until XXX for B2. The DL #, issuance and expiration dates do no match the information captured on the Patriot Form. Provide ID that matches the Patriot Form. | ; ; ; Document Uploaded. ; | 04/08/2026 | Photo Identification provided.; Client States: Rebuttal: The XXX Public Safety Temporary Permit is collected by us ahead of closing. The Patriot Act Information Form is completed at closing. The form is the collection of the information that is required by the Patriot Act. I was signed by the Escrow Officer verifying she personally viewed the information she collected and verified that it is accurate on the form. This meets the requirements of the Patriot Act. LM Updated. | 04/08/2026 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% FMHL variance has max LTV of 75% for Investment purchase transactions. | ; Document Uploaded. DD to review exception approval and clear for B Grade. Comp Factors: XXX Expanded Guidelines Allow 80% LTV; XXX PITIA Reserves; XXX FICO; No Mortgage Lates in XXX months; XXX% DTI.; XXX may consider Exception - Outside of Variance but within LTV for XXX Expanded Program.; | 04/17/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Expanded Guidelines Allow 80% LTV; XXX PITIA Reserves; XXX FICO; No Mortgage Lates in XXX months; XXX% DTI.; Audited LTV of 80% exceeds Guideline LTV of 75%; Correction: LTV exceeds FMHL variance, which is not allowed. Finding has been reopened. ; Audited LTV of 80% is less than or equal to Guideline LTV of 80%; Received confirmation from XXX team that 80% LTV is acceptable in this instance. Finding is resolved. | 04/17/2026 | 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%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Less than XXX months of bank Statements were provided for XXX account XXX and XXX account XXX | ; ; DD to waive for B Grade. Seller obtains only XXX month Statement to document assets. Discussed on other files with XXX team and fine to proceed as long as minimum of XXX month bank Statement documented for assets used to qualify pending update to variance. Comp Factors: XXX FICO; No Mortgage Lates in last XXX months; XX/XX/XXXX mos PITIA reserves; XXX% DTI; | 04/07/2026 | Asset qualification does not meet guidelines. Client approved an exception to guidelines to allow for XXX month of bank Statements. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; No Mortgage Lates in last XXX months; XX/XX/XXXX mos PITIA reserves; XXX% DTI.; Asset Qualification Meets Guideline Requirements. | 04/07/2026 | 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%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043780 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/07/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/07/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing business entity documentation: Certificates of formation, Operating agreement, Certificate of good standing from State of organization, EIN documentation, and W-XXX signed by LLC. | ; Documentation received in XXX review.; Document Uploaded. ; | 04/08/2026 | Client provided Certificate of Organization, Articles of Organization, Certification of Beneficial Owner(s), Operating Agreement, IRS EIN Assignment and SOS of XXX Certificate of Good Standing. LM Updated. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/08/2026 | The Final 1003 is Present; Client provided Final 1003 for B1 and B2. LM Updated. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received in XXX review.; Document Uploaded. ; | 04/08/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Executed Business Purpose & Occupancy Affidavit. LM Updated. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043848 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing XX/XX/XXXX payment for XXX acct #XXX | ; ; Documentation received, XXX to review.; Document Uploaded. Feb and Mar satatements; | 04/28/2026 | Lender provided the XXX and XXX XXX Statements. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not XXX present. | 04/28/2026 | 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 74.8% is less than Guideline CLTV of 114.75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043848 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 114.75% exceeds Guideline LTV of 75% Per XXX DSCR v13 guidelines, If the subject property has been owned for less than twelve XXX months, the LTV/CLTV/HCLTV ratios must be based on the lesser of: The cost basis (defined as the original purchase price plus documented improvements made after the purchase of the property), or, The current appraised value of the property. Documented improvements must be supported with receipts or equivalent verifiable documentation. Subject property was purchased on XX/XX/XXXX for XXX and the note date is XX/XX/XXXX. The appraiser States the subject was completely renovated, and the photos confirm recent XXX, but no additional supporting documentation was provided. | ; ; Document Uploaded. DD to waive for B Grade. Exception Approved. Please update to Appraised Value for Effective value. Comp Factors: Property Tenant Occupied; XXX FICO; XXX DSCR; XX/XX/XXXX mos PITIA reserves; Experienced XXX.; Post close exception has been approved. Please note there will be XXX adjustment to pricing for exception approval.; | 04/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose. FICO XXX / XXX DSCR / XX/XX/XXXX months PITIA Reserves / Property Tenant Occupied and Experienced XXX. | 04/28/2026 | 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 74.8% is less than Guideline CLTV of 114.75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043848 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX DSCR v13 guidelines require two months of bank Statements to verify assets. There is a print out for XXX account #XXX dated XX/XX/XXXX - XX/XX/XXXX | ; ; Documentation received, XXX to review.; Document Uploaded. XXX mos for #XXX; | 04/28/2026 | XXX months bank Statements provided. Condition cleared. ; Asset Record XXX Meets G/L Requirements Or XXX. | 04/28/2026 | 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 74.8% is less than Guideline CLTV of 114.75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043848 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX DSCR v13 guidelines require two months of bank Statements to verify assets. There is a Statement and print out for XXX account #XXX dated XX/XX/XXXX - XX/XX/XXXX | Documentation received, XXX to review.; Document Uploaded. See XXX 2nd month Statements; XXX months Statements required per guidelines. If unable to cure, please advise for possible exception waiver review.; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | Asset Record XXX Meets G/L Requirements; XXX DSCR v13 guidelines require two months of bank Statements to verify assets. There is a Statement and print out for XXX account #XXX dated XX/XX/XXXX - XX/XX/XXXX. | 04/28/2026 | 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 74.8% is less than Guideline CLTV of 114.75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043848 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Missing Loan program disclosure | Missing W-XXX form for LLC | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/10/2026 | W-XXX received. | 04/10/2026 | 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 74.8% is less than Guideline CLTV of 114.75%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Compliance | Missing HUD-XXX Closing Statement | Final HUD-XXX Document is estimated. Please provide final Settlement Statement. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Final Settlement Statement provided for review. Finding is resolved. | 04/20/2026 | 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 57.14% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 70%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Waived | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ; ; Please waive due to pending variance. COMP FACTORS: • FICO XXX • DSCR >XXX • LTV XXX ; | 04/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR >XXX; LTV XXX | 04/20/2026 | 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 57.14% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 70%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Compliance | Final HUD-XXX Document is Missing | Final HUD-XXX Document is Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Final Settlement Statement provided for review. Finding is resolved. ; Final HUD-XXX Document is not missing or estimated only.; Final HUD-XXX Document is not missing. | 04/20/2026 | 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 57.14% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 70%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045566 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; ; Please waive due to pending Variance. Comp factors: COMP FACTORS: • FICO XXX • DSCR >XXX • LTV XXX ; | 04/20/2026 | Client approved an exception to guidelines for missing escrow account. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX • DSCR >XXX • LTV XXX | 04/20/2026 | 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 57.14% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 70%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review; Document Uploaded. Please see XXX business purpose cert.; | 04/08/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Borrower Certification of Business Purpose. LM Updated. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Title Document Missing | Title Document is missing Missing copy of title commitment. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX Commitment and Policy.; | 04/08/2026 | Title Document is fully Present; Client provided Commitment for Title and Short Form Residential Loan Policy. LM Updated. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Property | Property has been listed for sale in the past XXX months | For information only: The subject was listed for sale in the amount of XXX The listed expired XX/XX/XXXX. Lower of appraised value or list price must be used per XXX DSCR v13 guideline requirement. List price of XXX used for XXX. | For information only: The subject was listed for sale in the amount of XXX The listed expired XX/XX/XXXX. Lower of appraised value or list price must be used per XXX DSCR v13 guideline requirement. List price of XXX used for XXX. | 04/01/2026 | Provided for information only. | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Only one month of bank Statement was provided for XXX bank account XXX | ; DD to waive for B Grade. Seller obtained only XXX month Statement. Fine to proceed as long as minimum of XXX month provided for assets used to qualify. Comp Factors: XXX FICO; No Mortgage lates in XXX months; XXX% DTI; XX/XX/XXXX mos PITIA reserve; XXX per month residual income.; Requesting an exception on this condition please. ; | 04/08/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; No Mortgage lates in XXX months; XXX% DTI; XX/XX/XXXX mos PITIA reserve; XXX per month residual income. | 04/08/2026 | 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<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/15/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| 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 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409042611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Income Tax Verification fee. The COC dated XX/XX/XXXX was not accepted because it did not provide enough information to determine if this was a valid COC. Please provide a more detailed explanation for the increase to determine if this was a valid change. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409042611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409044611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX | Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | ; Documentation provided is sufficient. Exception resolved. | 04/23/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is XXX Present. Page XXX of XXX is provided for credit report showing the scores only. Please provide page XX/XX/XXXX for the missing credit report pages. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/10/2026 | Borrower 1 Credit Report is not XXX present.; Client provided Full Credit Report. LM Updated. | 04/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.39% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48.39% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409041746 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/29/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | Business Purpose Affidavit/Disclosure Provided | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; ; ; Please waive for Grade B (XXX guides) comp factors- DSCR XXX Score XXX XXX Assets; | 04/10/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX Score XXX XXX Assets. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Missing the recent lease agreement within the last two XXX months for the Vacant unit #XXX. | ; Comment received, XXX to review.; There is no current lease for unit XXX as it is vacant.; ; | 04/10/2026 | unit XXX as it is vacant, which is permitted per guidelines. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 does not list all of the real eState owned by the borrower. Additional properties owned are indicated per the fraud report in file. | ; Comment received, XXX to review.; All the properties listed on the fraud report show properties are listed on the Trust which doesn't require to be listed on the 1003. ; ; | 04/10/2026 | The Final 1003 is Present | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045239 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Desk review is provided by XXX, which is not recognized on XXX DSCR v13 guidelines as an approved provider. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 | Property/Appraisal Meets Guidelines; Property/Appraisal guideline violation: ; Client provided XXX CDA. LM Updated. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/29/2026 | Resolved | XXX | Property | Appraisal is Missing | Appraisal is Missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Appraisal is Present or is Waived | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Appraisal and Desk review are not in file. | Documentation received, XXX to review.; Document Uploaded. ; | 04/08/2026 | Third party valuation product provided within tolerance.; Provide either a Collateral Desk Review (CDA) or Consolidated Collateral Analysis (CCA), which are approved third party vendors for desk reviews. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044624 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | The issue with the property has been resolved.; Photos provided confirm water heater straps have been installed. Finding is resolved. ; One or more issues or defects with the property have been discovered. The appraiser noted that the water heater does not have earthquake straps, which are required. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044624 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification the following mortgages are current XXX #XXX; XXX Mtg #XXX; XXX #XXX & #XXX. Mortgage Statements provided disclose XX/XX/XXXX payments made for all properties. Subject loan closed XX/XX/XXXX. XXX DSCR v13 guidelines require housing history reflect XXX. | ; ; Please review and rescind. Mortgage history is only required on primary res and subject for DSCR loans. IF a mortgage on another property is reporting as late, it must be considered in the analysis, but if not reporting, no need for VOM. With regard to this primary res - XXX #XXX is reporting as of XX/XX/XXXX and the loan closed in XX/XX/XXXX, so reporting is current.; | 04/15/2026 | Housing History Meets Guideline Requirements; | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409044689 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Mutual Funds require two months most recent Statements. One month Statement missing. | ; ; DD to waive for B Grade. Fine to proceed as long as minimum of XXX month Statement documented for assets used to qualify. Comp Factors: XXX FICO; XXX Mos PITIA reserves; 64.11% LTV; XXX DSCR; ; Comment received, XXX to review.; Please review and advise on an exception; | 04/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XXX Mos PITIA reserves; 64.11% LTV; XXX DSCR ; XXX to review for seller's exception request. | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraiser to clarify Unit XXX rear window sill and trim displays loose chipping/peeling paint that appraiser considers minor and posing no health or safety hazard and did not recommend repairs; please provide an estimated cost to cure for the chipping paint. | Documentation and comment received, XXX to review.; Document Uploaded. Please see XXX revised appraisal showing the cure less thank $XXX; ; Estimated Cost to cure was requested with finding. If unable to obtain - XXX may review for exception and may impact pricing. DD to reopen finding.; Comment received, XXX to review.; as per the condition, no repair needed since it is consider minor, please review and waive the condition; | 04/13/2026 | The issue with the property has been resolved.; Client provided Updated Appraisal with comment: REAR WINDOW SILL AND TRIM DISPLAYS LOOSE CHIPPING/PEELING PAINT. THE CONDITION IS CONSIDERED MINOR AND POSE NO HEALTH OR SAFETY HAZARD HE CONDITION IS PURELY COSMETIC AND DOES NOT AFFECT THE SAFETY, SOUNDNESS OR STRUCTURAL INTEGRITY OF THE PROPERTY (COST TO CURE; LESS THAN $XXX) APPRAISER IS NOT RECOMMENDING ANY REPAIRS. THIS APPRAISAL REPORT IS MADE "AS IS". LM Updated.; ; | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Borrower 2 Credit Report is Missing. | Documentation received, XXX to review.; Document Uploaded. Please see XXX; ; Comment received, XXX to review.; There is only one borrower on this file, please review and clear the condition; | 04/13/2026 | Borrower 2 Credit Report is not missing.; We have an application signed by XXX and XXX, and both parties signed the Note as individuals and as trustees of the XXX and XXX Living Trust. We have XXX borrowers on this loan. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing the Approval/Underwriting Summary. | Documentation received, XXX to review.; Document Uploaded. please see XXX; | 04/09/2026 | Approval/Underwriting Summary is fully present; Client provided XXX LM Updated. | 04/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.9% is less than Guideline LTV of 70% \| 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 58.9% is less than Guideline CLTV of 70%<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 409041688 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX; XXX to review for Exception; | 04/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX mos PITIA Reserves; XXX DSCR. | 04/09/2026 | 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 21.23% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 21.23% is less than Guideline LTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Provide Inquiry LOX for XXX on XXX reflected on the XXX credit report. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/10/2026 | Lender provided the inquiry letter showing no new debt. | 04/10/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The bank Statements reflects a total of XXX Overdrafts and XXX NSF in the past XXX months with XXX in the past XXX months which violates guidelines that no occurrences allowed in the most recent XXX months. Overdrafts may be excluded when the account balance did not report as XXX or negative on the Statement which is the case with the subject loan. More than XXX is considered frequent and requires an underwriter's letter of explanation in the file which evaluates the pattern, timing, corrective actions and nature of the business to determine potential impact on ATR not found in the loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/10/2026 | Lender provided an LOE for the NSF's. The borrower has been able to meet the obligations of the the subject mortgage. Only XXX% of the deposits used towards income. The overlaps in transactions were timing errors and covered with deposits shortly afterward and only XXX fee in XXX months. Additionally the borrower has set up a cash reserve account to protect in case of overdrafts. ; Income and Employment Meet Guidelines | 04/10/2026 | 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.<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The subject is a second home, and the Final 1003 indicates Borrower2 will occupy it as a primary residence. Please provide corrected 1003. | ; Document Uploaded. ; Documentation received, XXX to review.; ; | 04/10/2026 | Lender provided a corrected 1003 for Borrower 2. | 04/10/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042906 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Waived | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | ; Document Uploaded. DD to waive for B Grade. Exception XXX. Comp Factors: XXX% DTI; XXX mos PITIA reserves ($XXX from personal reserves); XXX FICO; No Mortgage Lates in last XXX months.; ATR Standard Loans are not subject to the QM Points and Fees Test (12 CFR XXX(c) and (e)(XXX).; | 04/17/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI; XXX mos PITIA reserves ($XXX from personal reserves); XXX FICO; No Mortgage Lates in last XXX months.; Resolved; Resolved | 04/17/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Lender did not provide ATR/QM Status Determination. Compliance Report is missing from the loan file. Lender did not provide ATR/QM Status Determination. Compliance Report is missing from the loan file. | Document Uploaded. XXX Uploaded. DD to review.; Please provide compliance report for review to cure finding (XXX or equivalent) - DD to reopen finding; ATR Standard Loans are not subject to the QM Points and Fees Test (12 CFR XXX(c) and (e)(XXX).; | 04/10/2026 |  | 04/13/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Missing Document- Affiliated Business Disclosure | ; Comment received, XXX to review.; Per DD vendor XXX to review, CEL does not have any affiliates. Thank you. ; ; Documentation received, XXX to review.; Document Uploaded. Per the SSPL XXX CEL does not have any affiliates hence the disclosure would not be required. ; | 04/08/2026 | Required Affiliated Business Disclosure Documentation Provided.; Privacy policy indicates there is an affiliate, provide an attestation that either the lender has no affiliates or no referral of business was made to an affiliate | 04/08/2026 | 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409042478 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | XXX DSCR v13 guidelines require copy of formation documents including Articles of Organization and certificate of good standing. Missing said documentation for XXX LLC. | Documentation received, XXX to review.; Document Uploaded. was included with original package. Shows XXX%; ; Documentation received, XXX to review.; Document Uploaded. please see XXX; | 04/17/2026 | ; Provide a copy of the fully executed Operating Agreement evidencing the borrower's minimum XXX% ownership interest and outlining the governing provisions for management and operation of the business. | 04/17/2026 | 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 64.95% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.95% is less than Guideline LTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Only one month of bank Statements provided for XXX account XXX and XXX account XXX | Documentation and comment received, XXX to review.; Document Uploaded. See XXX additional Statements and the source of large deposits. XXX-XX/XX/XXXX Source of large deposit $XXX XXX Bank-XX/XX/XXXX Source of large deposit for XXX ; | 04/22/2026 | Received additional, consecutive Statements for XXX and XXX along with sources of large deposits in each account. Exception Resolved. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409040472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Please waive for B grade. XXX has granted an exception. COMP FACTORS: • Low LTV XXX • Excellent credit history • DSCR >XXX ; | 04/29/2026 | ; Per client - Please waive for B grade. XXX has granted an exception. COMP FACTORS: • Low LTV XXX • Excellent credit history • DSCR >XXX - Acknowledged | 04/29/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.86% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 30.86% is less than Guideline LTV of 70%<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. |  | 04/02/2026 | Client approved an exception to guidelines to allow for non-escrowed DSCR loan. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: low LTV, sufficient reserves in savings account to cover escrows, and excellent credit history. | 04/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.86% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 30.86% is less than Guideline LTV of 70%<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042904 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Missing letter of explanation | The purchase contract reflects EMD of $XXX. The final CD reflects EMD of $XXX. The loan file contains proof of a XXX EMD check written to XXX XXX for the subject property on XXX and cleared the account on XXX. The loan file contains an additional XXX EMD check written to XXX XXX for the subject property on XXX and cleared the account on XXX. The purchase contract only accounts for the XXX EMD and the final CD only reflects XXX EMD. All documentation should reflect both deposits and the borrower should receive credit for both deposits which may affect funds required to close. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Client States: Yes, originally e received EM in the amount of XXX with option in the amount of $XXX. I termination and release of EM was sent. File was miraculously saved however, selling agent said EM still needed to be returned as the prior contract was terminated and the release was signed. So, we returned said EM and was then provided a new contract with new EM. LM Updated. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. XXX DSCR v13 guidelines require two full months of asset verification. File contains one-month Statements for XXX acct #XXX, #XXX and XXX #XXX. | ; ; DD to waive for B Grade. Fine to proceed as long as minimum XXX month Statement documented for assets used to qualify. Comp Factors: XXX FICO; XXX mos PITIA reserves; XXX DSCR; Experienced XXX; No Mortgage Lates in XXX mos; Please review and advise on an exception ; | 04/27/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX mos PITIA reserves; XXX DSCR; Experienced XXX; No Mortgage Lates in XXX mos. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Waived | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification all XXX mortgages disclosed on the credit report dated XX/XX/XXXX are current. The mortgages are currently due for XX/XX/XXXX and XX/XX/XXXX per mortgage Statements. The subject loan closed XX/XX/XXXX and XXX DSCR v13 guidelines require housing history reflect XXX. | ; Document Uploaded. DD to waive for B Grade. Exception approval XXX. Comp Factors: Borrower experienced XXX; XXX FICO; XXX mos PITIA reserves; XXX DSCR; ; XXX to review for exception. Please note there maybe impact to pricing. - DD to reopen finding; Per the underwriter, DSCR only require mtg history for primary and subject. This is a purchase and the primary is owned free and clear, this should not be a requirement.; All payments would need documented XX/XX/XXXX payments made on time for all reported mortgage accounts with note date. If unable to cure please notify XXX, may obtain credit supplements for reported accounts to cure. DD to reopen finding.; we have a multiple mortgage history and all of them XXX, please review and clear the condition ; | 04/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX mos PITIA reserves; XXX DSCR; XXX to review for exception ; | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Subject pictures reflect security bars on several windows and only two of the windows show security bar release. Provide verification all windows with security bars have release latches. | ; Documentation and comment received, XXX to review.; Document Uploaded. Please see XXX. The bedrooms are the only rooms that require security bar releases, appraiser shows photos of the release latch for the bedroom. ; Appraisals uploaded are for XXX & XXX XXX - not subject property.; ; Documentation received, XXX to review.; Document Uploaded. See XXX revised appraisal - pg XXX.; Documentation received, XXX to review.; Document Uploaded. Please see XXX revised appraisal. ; | 04/21/2026 | Upon further review, for the subject property, the bedrooms are the only rooms that require security bar releases, appraiser shows photos of the release latch for the bedroom. ; Provide verification all windows with security bars have release latches for the subject property at XXX XXX, XXX, XXX, XXX; uploaded report does not reflect the correct property address.; Document Uploaded appears to be for a different file.; Document Uploaded appears to be for a different file. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts XXX fraud report reflects additional properties not disclosed on the Final 1003 (XXX XXX). Provide updated Final 1003 disclosing all properties owned by borrower. | ; Escalated for review; this is a DSCR loan, please review and waive the condition; | 04/21/2026 | All Fraud Report Alerts have been cleared or None Exist; Per XXX Expanded DSCR v13 Guidelines, the borrower is only required to disclose the primary residence, subject property, and any property with a mortgage that is reporting on the credit report. Finding is resolved. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041538 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 review fee. The fee changed on CD issued XX/XX/XXXX without a valid COC. Although a COC dated XX/XX/XXXX as provided, the reason for the change was not valid. Providing a valid reason for the change may cure the violation. | Change in circumstances must be properly documented. Please provide documentation to confirm. ; Please see the SSR's already in the file. The report was XX/XX/XXXX and had a risk score above XX/XX/XXXX which requires a CDA to be ordered which was then redisclosed on XX/XX/XXXX for XXX; | 04/21/2026 | Valid COC provided; exception resolved ; Valid COC provided; exception resolved | 04/22/2026 | 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 58.05% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.05% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041538 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. The subject property is a second home, and the Declarations section of the Final 1003 indicates the borrower will occupy it as a primary residence. A corrected Final 1003 is required. | Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | The Final 1003 is Present | 04/22/2026 | 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 58.05% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.05% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041538 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded bank Statement program v12 | ; Please waive for Grade B (not required for XXX)- Comp factors XXX% DTI, 59% LTV< score of XXX | 04/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI, 59% LTV< score of XXX | 04/09/2026 | 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 58.05% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.05% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046384 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX XXX DSCR guidelines require XXX months of bank Statements for asset verification. XXX checking XXX only has XXX month Statement. Please provide second month Statement for XXX | ; ; DD to waive for B Grade. Seller obtains only XXX month Statement to document assets. Reviewed with XXX team on other loans and fine to proceed as long as minimum of XXX month Statement documented for assets used to qualify pending update to variance - Comp Factors: XXX FICO; XXX mos PITIA reserves; XXX DSCR; | 04/15/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XXX mos PITIA reserves; XXX DSCR | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046384 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Required Executed W-XXX for LLC per XXX XXX DSCR guidelines. Executed W-XXX only provided for Member. Please provide the required business entity documents mentioned for review. | Documentation received, XXX to review.; Document Uploaded. W9; | 04/14/2026 | Client provided Executed W-XXX for the Borrower and Business XXX. LM Updated. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045488 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Purpose does not meet eligibility requirement(s) | XXX Expanded DSCR v13 guidelines State: For refinance transactions, XXX must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The lease began XX/XX/XXXX, and as of the appraisal date of XX/XX/XXXX, the subject was vacant. | ; Documentation and comment received, XXX to review.; Document Uploaded. Property is currently leased and was leased prior to closing. ; | 04/09/2026 | Client States: The property was vacant when the appraisal was completed XX/XX/XXXX. The XXX were completed and a lease was secured prior to closing. The Final Inspection does show that the bedroom furniture has been moved in. Lease in file is dated XX/XX/XXXX. | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045488 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Executed W-XXX for XXX, LLC. Executed W-XXX received for Member, but W-XXX is required for LLC as well, per XXX XXX DSCR guidelines. Please provide missing Executed W-XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/09/2026 | Client provided Executed W-XXX for XXX. LM Updated. | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409032347 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Please waive as per below. | 04/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO XXX) XXX DSCR XXX) seasoned XXX.; Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO XXX) XXX DSCR XXX) seasoned XXX. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409032347 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Please waive - XXX has granted exception - COMP FACTORS: • FICO XXX • DSCR XXX • Seasoned XXX ; | 04/10/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • FICO XXX • DSCR XXX • Seasoned XXX. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraiser to comment on the appearance of two large puddles of water in the pictures of the basement of the subject. Is this due to a pipe issue or just from the rain outside? Was there anything noticeable necessitating repair (pipe leak, crack in foundation) and if so, please provide a cost to cure? | Documentation received, XXX to review.; Document Uploaded. UPDATED APPRAISAL REPORT; | 04/13/2026 | The issue with the property has been resolved.; Updated appraisal received addressing property issues. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409045398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Executed W-XXX for XXX, LLC. Executed W-XXX received for Member, but W-XXX is required for LLC as well, per XXX XXX DSCR guidelines. Please provide missing Executed W-XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/09/2026 | Client provided Executed W-XXX for XXX. LM Updated. | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 on the XX/XX/XXXX initial Closing Disclosure. According invoice appraisal ordered XX/XX/XXXX and per appraisal completed XX/XX/XXXX. The COC in the file does not provide a valid reason for the increase as under estimation is not a valid reason. | ; ; Documentation received, XXX to review.; Document Uploaded. Refund docs to the client uploaded for review; | 04/22/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 04/22/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409042358 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/08/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/08/2026 | 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 24.64% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 24.64% is less than Guideline LTV of 90%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409042419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. File is short funds for reserves. Documented funds were $XXX. Funds to close were $XXX. This left XXX available post-closing and reserves required were $XXX. Borrower is short XXX in post-closing reserves. | ; Exception approved for short reserves- XXX Score, XXX mortgage history since XXX 75% LTV (qualifies for XXX%).; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Score, XXX mortgage history since XXX 75% LTV (qualifies for XXX%).; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. File is short funds for reserves. Documented funds were $XXX. Funds to close were $XXX. This left XXX available post-closing and reserves required were $XXX. Borrower is short XXX in post-closing reserves. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) File is short funds for reserves. Documented funds were $XXX. Funds to close were $XXX. This left XXX (XXX months) available post-closing and reserves required were XXX (XXX months). Borrower is short XXX in post-closing reserves. | ; Exception approved for short reserves- XXX Score, XXX mortgage history since XXX 75% LTV (qualifies for XXX%).; Requested exception.; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Score, XXX mortgage history since XXX 75% LTV (qualifies for XXX%).; Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) File is short funds for reserves. Documented funds were $XXX. Funds to close were $XXX. This left XXX (XXX months) available post-closing and reserves required were XXX (XXX months). Borrower is short XXX in post-closing reserves. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042672 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Page XXX of the appraisal report does not show square feet for unit XXX | ; Documentation received, XXX to review.; Document Uploaded. Revised appraisal uploaded for review; | 04/16/2026 | Property/Appraisal Meets Guidelines - corrected appraisal received. | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409045251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program. | ; ; Please waive invalid cond; Please waive for Grade B- Comp factors= XXX% DTI, Fico XXX score, XXX months reserves; Please waive for Grade B- Comp factors XXX% DTI, Fico XXX 80% LTV; | 04/27/2026 | Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI, Fico XXX score, XXX months reserves.; Exception requested from seller. XXX to review.; Please provide written approved exception including comp factors for downgrade. Thank you. | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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 80% is less than Guideline CLTV of 90%<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | Flood Certificate XXX Provided | Flood Certificate is XXX Provided The Flood zone on the certificate (XXX) does not match the zone on the appraisal (XXX) | ; Documentation received, XXX to review.; Document Uploaded. Hello- we got great news! The appraiser was willing to update their cert # to match the flood cert. I have XXX the revised and it is also now available in the appraisal eFolder. ; Documentation and comment received, XXX to review.; Document Uploaded. Per FLS, the map panel listed on the flood cert is correct. The XXX half or XXX four digits, represent the community number XXX and the second half represents the map panel location (540900J). The nearest participating community in the NFIP is XXX which isn't always in the same location as the home. Therefore, the correct panel is XXX. | 04/17/2026 | Lender provided the corrected zone on the appraisal. Condition cleared.; Lender provided evidence the Flood zone on the certificate (XXX) is correct. Please provide a corrected zone on the appraisal. | 04/17/2026 | 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 49.71% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.71% is less than Guideline LTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046381 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: Suburban Area per appraisal; XXX DSCR; XXX FICO; No Mortgage Lates in last XXX months; Post Close Exception Approved. Please note there will be XXX adjustment to pricing.; Not addressed on FMHL variance so will defer to XXX Expanded Guidelines.. Exception Entered for allow XXX rural property. XXX to review. Please note maybe impact to pricing. DD to reopen finding; Not listed on the XXX overlay sheet. Not an FM requirement & UW to FM guidelines. Should be no reason for this condition. ; XXX determines rural properties from XXX link listed in XXX DSCR guidelines. Exception able to be reviewed on case by case basis for XXX rural designated properties. Please note there maybe impact to pricing. - DD to reopen finding.; The appraisal shows as Suburban.; | 04/22/2026 | Waived per client. Client accepts risk of B grade and acknowledges the following compensation factors for this purpose: Suburban Area per appraisal; XXX DSCR; XXX FICO; No Mortgage Lates in last XXX months.; Reopened for XXX to review. ; Reopened for XXX to review. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046381 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | The Final 1003 is Missing |  | Condition in review by UW. Update pending; a Final 1003 is not needed on DSCR per guidelines ; | 04/21/2026 | The Final 1003 is Present; The Final 1003 is Missing.; The Final 1003 is Missing. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046381 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing W-XXX for XXX, and Certificate of Good Standing. | Documentation received, XXX to review.; Document Uploaded. W9 AND COGS; | 04/10/2026 | W9 and Cert of Good Standing received. | 04/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing required CPA letter justifying use of less than XXX% expense ratio for XXX XXX Expanded Bank Statement program, Lender used XXX% which exceeds the maximum of XXX% | ; DD to waive for B Grade and confirm income calculation using XXX% expense factor. Approved exception XXX. Comp Factors: XXX FICO; XX/XX/XXXX mos PITIA reserves; No Mortgage lates in last XXX months; XXX years XXX. Note to Seller: Please note there is a pricing hit of XXX for exception approval.; Document Uploaded. ; Post close exception has been approved with a pricing hit of XXX for exception approval. ; Expense factor is less than program min of XXX% - Exception in review by XXX. Please note there maybe impact to pricing if able to approve.; Documentation received, XXX to review.; the attestation form was in the package and just reuploaded more thank a week ago, please advise ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX and that was in the credit package; | 04/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XX/XX/XXXX mos PITIA reserves; No Mortgage lates in last XXX months; XXX years XXX.; Per XXX XXX Expanded guidelines, minimum expense ratio is XXX% XXX to review for use of lower expense ratio then permitted per guidelines.; Client provided Tax Professional Attestation reflecting the Business Expense Factor of XXX% However, XXX Expanded GL State: A 3rd Party Tax Preparer or CPA prepared P&L that covers the same time frame as the bank Statements, is required UNLESS the fixed expense ratio is used for qualifying as listed below. (Expense factor can never be less than XXX%). The expense factor of XXX% is lower than the XXX% lowest. | 04/20/2026 | 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.<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Seller compliance report is missing Lender did not provide ATR/QM Status Determination. | ; Documentation received, XXX to review.; Document Uploaded. The DocMagic loan detail report was on the legal package and please see XXX; | 04/09/2026 |  | 04/09/2026 | 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.<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 157.14% exceeds Guideline LTV of 75% Per XXX DSCR v13 guidelines, If the subject property has been owned for less than twelve XXX months, the LTV/CLTV/HCLTV ratios must be based on the lesser of: The cost basis (defined as the original purchase price plus documented improvements made after the purchase of the property), or, The current appraised value of the property. Documented improvements must be supported with receipts or equivalent verifiable documentation. Subject property was purchased on XX/XX/XXXX for XXX and the note date is XX/XX/XXXX. The appraiser States the subject was completely renovated, and the photos confirm, but no additional supporting documentation was provided aside from a documents titled "List of Updates" which is also identified to be an estimate of work for the subject dated XX/XX/XXXX in the amount of XXX | ; ; Document Uploaded. DD to waive for B Grade. Exception XXX - DD please update LTV off appraised value for LTV calculation. Comp Factors: - only XXX days short of XXX month seasoning requirement - FICO XXX - XXX mos reserves (cash out proceeds) - 54% LTV (based on current appraised value) - DSCR > XXX; XXX to review for exception.; this should not require a variance This loan is UW to FM guidelines subject to XXX overlays. The LTV calculation noted below is not listed on XXX overlays & is not part of FM guidelines. It is acceptable to use current appraised value per pg XXX of FM guidelines. please also note that ARR review included in the file which supports the value.; Please indicate if exception request for finding as this is not covered in FHML variance - Please note there maybe impact to pricing.; Comment received, XXX to review.; This loan is UW to FM guidelines subject to XXX overlays. The LTV calculation noted below is not listed on XXX overlays & is not part of FM guidelines. It is acceptable to use current appraised value per pg XXX of FM guidelines. please also note that ARR review included in the file which supports the value. ; ; | 04/28/2026 | Client approved an exception to guidelines to allow for the use of the appraised value for LTV calculation. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: only XXX days short of XXX month seasoning requirement - FICO XXX - XXX mos reserves (cash out proceeds) - 54% LTV (based on current appraised value) - DSCR > XXX.; Exception Report provided. Per client, "Post Close Exception: Appraised value requested for LTV calculation. Property purchased in last XXX months. Audited LTV of 157.14% exceeds Guideline LTV of 75% Per XXX DSCR v13 guidelines, If the subject property has been owned for less than twelve XXX months, the LTV/CLTV/HCLTV ratios must be based on the lesser of: The cost basis (defined as the original purchase price plus documented improvements made after the purchase of the property), or, The current appraised value of the property. Documented improvements must be supported with receipts or equivalent verifiable documentation. Subject property was purchased on XX/XX/XXXX for XXX and the note date is XX/XX/XXXX. The appraiser States the subject was completely renovated, and the photos confirm, but no additional supporting documentation was provided aside from a documents titled "List of Updates" which is also identified to be an estimate of work for the subject dated XX/XX/XXXX in the amount of $XXX."; Reopened for XXX to review for exception; FM Overlays do not indicate a variance to The current appraised value of the property. Therefore, LTV exceeds guidelines based on XXX XXX guidelines. | 04/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.66% is less than Guideline CLTV of 157.14% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.66% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The Desk Review is from XXX, which is not an approved vendor per XXX DSCR v13 guidelines, and it is not addressed in the FMHL variance. | ; ; Document Uploaded. DD to waive for B Grade. Exception XXX. Comp Factors: - only XXX days short of XXX month seasoning requirement - FICO XXX - XXX mos reserves (cash out proceeds) - 54% LTV (based on current appraised value) - DSCR > XXX; ; ; XXX approved vendors are XXX and XXX. Please provide CDA or CCA to have condition cured. XXX is not approved vendor with XXX. - DD to reopen finding.; per FM guidelines, this is an acceptable appraisal review ; ; | 04/28/2026 | Client approved an exception to guidelines to allow for the use of an unapproved vendor for desk review. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: only XXX days short of XXX month seasoning requirement - FICO XXX - XXX mos reserves (cash out proceeds) - 54% LTV (based on current appraised value) - DSCR > XXX.; Exception Report provided. Per client, "Post Close Exception: Appraised value requested for LTV calculation. Property purchased in last XXX months. Audited LTV of 157.14% exceeds Guideline LTV of 75% Per XXX DSCR v13 guidelines, If the subject property has been owned for less than twelve XXX months, the LTV/CLTV/HCLTV ratios must be based on the lesser of: The cost basis (defined as the original purchase price plus documented improvements made after the purchase of the property), or, The current appraised value of the property. Documented improvements must be supported with receipts or equivalent verifiable documentation. Subject property was purchased on XX/XX/XXXX for XXX and the note date is XX/XX/XXXX. The appraiser States the subject was completely renovated, and the photos confirm, but no additional supporting documentation was provided aside from a documents titled "List of Updates" which is also identified to be an estimate of work for the subject dated XX/XX/XXXX in the amount of $XXX." ; Reopened as requested | 04/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.66% is less than Guideline CLTV of 157.14% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.66% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Executed W-XXX for XXX, LLC. Executed W-XXX received for Member, but W-XXX is required for LLC as well, per XXX XXX DSCR guidelines. Please provide missing Executed W-XXX. | ; ; W9 uploaded - DD to review; Documentation received, XXX to review.; Document Uploaded. ; | 04/10/2026 | ; W-XXX provided | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Desk review was performed by XXX which is not an approved provider for XXX XXX Expanded program | Documentation received, XXX to review.; Document Uploaded. CCA appraisal review ; ; Approved Vendors for XXX are XXX and XXX. Please provide CDA or CCA or CU score of XX/XX/XXXX or less for review for secondary validation - DD to reopen finding for cure to be uploaded.; XXX is acceptable per FMHL guidelines ; | 04/23/2026 | Property/Appraisal Meets Guidelines; Client provided XXX Desk review. LM Updated.; | 04/23/2026 | 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%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Subject vested in LLC which is not permitted for XXX XXX Expanded Program | ; meets FM guidelines; ; Documentation received, XXX to review.; Document Uploaded. LLC docs; Exception maybe considered once formation and entity documents provided for review.; | 04/16/2026 | FMHL allows LLC borrowing entities per variance. Finding is resolved. ; Client provided Certificate of Formation, Short Form Standing (Good Standing) and Executed W-XXX for XXX. Property Title Issue Subject vested in LLC which is not permitted for XXX XXX Expanded Program. | 04/16/2026 | 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%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Subject vested in LLC which is not permitted for XXX XXX Expanded Program, some LLC documentation was provided but missing Articles of Organization, proof of good standing, and LLC W-XXX | Documentation received, XXX to review.; Document Uploaded. W9, COGS AND ARTICLES OF ORGANIZATION ENCLOSED ; | 04/14/2026 | Client provided Certificate of Formation, Short Form Standing (Good Standing) and Executed W-XXX for XXX. LM Updated. | 04/15/2026 | 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%<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded program v12 | ; DD to waive for B Grade. Seller does not obtain. Reviewed with XXX team on other seller files and fine to provide to waive pending update to variance. Comp Factors: XXX FICO; XXX% DTI; XXX Mos PITIA reserves; | 04/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XXX% DTI; XXX Mos PITIA reserves | 04/10/2026 | 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%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042322 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042514 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043766 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Less than XXX months of bank Statement were provided for the following accounts: XXX XXX XXX XXX XXX XXX XXX | ; Waive for B grade - COMP FACTORS: • FICO XXX • DSCR >XXX Experienced XXX; XXX reviewing for exception; Comment received, XXX to review.; For the assets can we please ask XXX for an exception. We only require XXX month bank Statement; ; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • FICO XXX • DSCR >XXX, Experienced XXX; Comment received, XXX to review. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043766 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Please waive for B grade; COMP FACTORS: • FICO XXX • DSCR >XXX Experienced XXX; XXX reviewing for exception; Documentation and comment received, XXX to review.; Document Uploaded. For impounds we do not require an impound acct on DSCR loans; ; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • FICO XXX • DSCR >XXX, Experienced XXX; Documentation and comment received, XXX to review. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043766 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; Please waive for B Grade - COMP FACTORS: • FICO XXX • DSCR >XXX Experienced XXX; XXX reviewing for Exception; Documentation and comment received, XXX to review.; Document Uploaded. The interested Party we allow XXX% See XXX XXX for IPC details ; Interested Party can contribute up to XXX%; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • FICO XXX • DSCR >XXX, Experienced XXX; Documentation and comment received, XXX to review. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043831 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | Purpose does not meet eligibility requirement(s) | The subject loan purpose is investment cash-out. The loan files contains a letter from the borrowers stating that the cash-out proceeds will be used for the down payment on the purchase of a primary residence. | ; | 04/08/2026 | QM status updated from Exempt and TRID testing has been completed. Finding is resolved. | 04/08/2026 | 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 % is less than Guideline DTI of XXX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409045986 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Missing Lease Agreement | The XXX reflects that the subject is tenant occupied, however the XXX does not reflect the current rental income. Appraisal images reflect personal property indicating that the home is occupied. Lender guidelines requires The lower of in-place rent and market rent rom XXX whichever is lower be used to calculate the DSCR. Guideline further States that for refinance transactions XXX must be leased at the time of closing and the borrower must provide evidence that the property has been leased. Loan file is missing the lease agreement for the subject property. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Lender provided the lease agreement for the subject property dated XX/XX/XXXX in the amount of XXX a month. | 04/13/2026 | 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 33.76% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 33.76% is less than Guideline LTV of 65%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX XXX - HOI provided only shows how much the insurance increased, not the full cost. Documentation provided does not match XXX per month. Please provide full HOI for property with annual premium and any other expenses totaling XXX per month. | ; Documentation and comment received, XXX to review.; Document Uploaded. • HOI: XXX per month, Taxes: $XX/XX/XXXX=XXX per mo, No HOA; ; | 04/17/2026 |  | 04/17/2026 | 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 LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Subject closed on an LLC. Operating Agreement, Certificate of good standing and LLC W-XXX was not provided | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Rebuttal - LOX ; Documentation received, XXX to review.; Document Uploaded. ; | 04/30/2026 | Client States: when the business' status is active, that is a Certificate of Good Standing. The cert just verifies the same thing that the printout I provided does, which is that all fees have been paid for the LLC and the status is active. If the fees weren't paid, the status would show "pending inactive", but instead it shows active. The business is in good standing. However, XXX States: Certificate of good standing from State of organization (if legal entity borrower which was formed more than XXX months prior to origination date). Please provide Certificate of Good Standing.; Per XXX XXX DSCR guidelines, Operating documents including operating agreement, XXXhip agreement and bylaws. Certificate of Good Standing (or printout from website showing good standing, not screenshot) and Executed W9 by LLC are required.; Client States: Operating Agreement is not required for XXX, COGS must be purchased, so instead I've XXX a current printout, showing the LLC is active, which is good standing and IRS verified EIN is enclosed, which is what the W9 form is a request for. All documents provided. Still need Certificate of Good Standing. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043884 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043696 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | PUD Rider is Missing | PUD Rider is Missing. | ; Documentation received, XXX to review.; Document Uploaded. ; Please confirm if correction affidavit is acceptable. ; If the DOT is incorrect would you accept a correction affidavit to include the PUD rider?; ; | 04/17/2026 | The PUD Rider is Present or is XXX (XXX is XXX). Lender provided a revised Appraisal changing from PUD to SFR.; Correction affidavit with evidence that the Mortgage is being corrected and re-recorded required. | 04/17/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender approved exception for secondary self-employment with less than XXX years in business and be able to use the income from XXX. Business opened XX/XX/XXXX < XXX days shy of owning business for XXX years. Compensating factor: Borrower owns 1st business for over XXX yrs. | ; ; ; Borrower has 297k in assets- will have at least XXX in reserves post close. XXX months shy of XXX years owning Unique heavy towing. DTI of XXX% | 04/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose Borrower has 297k in assets- will have at least XXX in reserves post close. XXX months shy of XXX years owning Unique heavy towing. DTI of XXX%; Please provide additional compensating factors for this exception (at least XXX more). | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | Loan has escrow holdback. No proof it was released provided in file | Final CD reflects an escrow holdback of XXX under the Seller paid section. XXX XXX Guidelines v12 does not allow escrow holdback unless it has been disbursed and a certification of completion has been issued prior to purchase by XXX. | Document Uploaded. Per Title Company there are no funds in escrow; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | Title ledger provided showing no escrow holdback. ; XXX to review. | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046739 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Sellers fraud report reflects additional properties not disclosed on the Final 1003 (XXX XXX W; XXX XXX; and XXX XXX). Additionally, Property details report provided within the file shows XXX XXX is owned by borrower's business. Provide updated Final 1003 disclosing all properties owned by borrower. | ; | 04/09/2026 | All Fraud Report Alerts have been cleared or None Exist; Received additional guidance from XXX XXX Team: Only the subject, primary, and any properties that have a mortgage on borrower's credit report are required to be disclosed on 1003. All alerts on the fraud report are cleared. Finding is resolved. | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409043477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044691 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Money Market, Checking, and Savings accounts require two XXX months most recent Statements. Additional monthly Statements needed for XXX # XXX XXX # XXX and XXX # XX/XX/XXXX. | ; DD to waive for B Grade. Fine to proceed as long as minimum of XXX month bank Statement provided to document assets used to qualify. Comp Factors: XXX FICO; XX/XX/XXXX mos PITIA Reserves; No Mortgage Lates in XXX months.; Requesting an exception on the bank Statements please. ; | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XX/XX/XXXX mos PITIA Reserves; No Mortgage Lates in XXX months. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044691 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Desk Review is provided by XXX, which is not recognized on XXX DSCR v13 guidelines as an approved provider. | Documentation received, XXX to review.; Document Uploaded. Please see XXX CDA from XXX. ; | 04/10/2026 |  | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044674 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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 shows appraisal was provided on XX/XX/XXXX. Closing date is XX/XX/XXXX. Appraisal was not provided to borrower at least XXX days prior to the closing date. The file did not contain a waiver of the right to receive the appraisal at least XXX days prior to consummation | Documentation received, XXX to review.; Document Uploaded. Copy of Notice of Right to Receive a copy of Appraisal. ; ; ; Documentation received, XXX to review.; Appraisal Acknowledgement provided.; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/13/2026 | Evidence of appraisal delivery provided.; Please provide signed Waiver of the right to receive the appraisal at least XXX days prior to consummation or evidence the appraisal was delivered at least XXX days prior to closing. The XXX documents show the appraisal was delivered XXX days prior to closing and is not sufficient to clear exception. ; Evidence confirming a copy of the appraisal was provided to the consumer shows appraisal was provided on XX/XX/XXXX. Closing date is XX/XX/XXXX. Appraisal was not provided to borrower at least XXX days prior to the closing date. The file did not contain a waiver of the right to receive the appraisal at least XXX days prior to consummation | 04/13/2026 | 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.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409043762 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | XXX) Credit Inquiry LOE States new debt with XXX; however, no documentation in file to support debt. XXX) Missing documentation of new HELOC w/XXX supporting the monthly a payment of $XXX. | Documentation and comment received, XXX to review.; Document Uploaded. XXX XX/XX/XXXX Heloc documents in PXXX are sufficient for XXX condition. Payment is correct at XXX and is borrower is being hit with payment on current residence. Ok to send to XXX.; | 04/22/2026 | Client provided Settlement Statement for XXX XXX, HELOC Agreement and Closing Information reflecting XXX XXX. LM Updated. | 04/23/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043762 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing LOE regarding large deposit to XXX #XXX on XX/XX/XXXX for XXX | Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Documentation is sufficient. Invoices and LOE provided. Exception resolved.; Income and Employment Meet Guidelines | 04/21/2026 | 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<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX | ; This is on p XXX of original upload. Please review and rescind.; | 04/09/2026 |  | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Waived | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. The Final 1003 does not list all of the real eState owned by the borrower. | ; Waive for B Grade. Meets seller guidelines being accepted by XXX Comp factors: FICO XXX / Experienced XXX / Excellent housing ; | 04/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / Experienced XXX / Excellent housing. | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409040517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX #XXX Business funds were used as assets. Business assets require a copy of the full Operating Agreement or Official documentation from the bank substantiating that the applicant is an authorized signor and has access. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/17/2026 | Asset Record XXX Meets G/L Requirements Or XXX.; Client provided Articles of Organization of XXX reflecting the Borrowers as Organizers. LM Updated. | 04/17/2026 | 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 45.45% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of 75%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409043063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Escrow account required on DSCR loans. | ; Please waive for B grade. Comp factors: FICO XXX; DSCR >XXX; XXX history ; | 04/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR >XXX; XXX history | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. Investment purpose loan and appraisal identifies the property to be XXX occupied. Need corrected appraisal. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 | Intent of borrower's occupancy supported | 04/14/2026 | 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%<br> D<br> A<br> C | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/14/2026 | 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%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing proof XXX Borrower has minimum XXX% ownership of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 |  | 04/14/2026 | 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%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Missing proof CPA/third party prepared the most recent filed returns. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/14/2026 | Borrower 1 CPA Letter Provided | 04/14/2026 | 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%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 | Evidence of appraisal delivery provided. | 04/14/2026 | 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%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Income documentation does not meet guidelines | The XXX XXX Expanded P&L Only program requires the CPA/third party who prepared the borrower's most recent filed returns must provide current/active license or certifications. Missing third party preparer's current/active license or certifications. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 |  | 04/14/2026 | 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%<br> D<br> A<br> C | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409044035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% XXX XXX DSCR guidelines only allow XXX% Interested Party Contributions or XXX Seller Credit on Final CD is XXX which is XXX over allowable Interested Party Contribution per guidelines. Lender exception granted for XXX% Seller Credit. Approved exception in file, but no compensating factors are noted on the request form or the approval. | ; Exception was approved for this, please waive- Loan amount < max by $12M; FICO XXX points higher than min; reserves exceed min by XXX mos.; | 04/10/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: Loan amount < max by $12M; FICO XXX points higher than min; reserves exceed min by XXX mos.; Please provide compensating factors. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Executed W-XXX for LLC as required per XXX XXX DSCR guidelines. | ; Document Uploaded. uploaded signed by b1 and b2; Documentation received, XXX to review.; ; | 04/10/2026 | W-XXX received | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property has a garage conversion with a bedroom, XXX, and a separate entrance. No documentation to support the addition was permitted. | ; ; Documentation received, XXX to review.; Document Uploaded. Revised Appraisal XXX.; ; | 04/21/2026 | Property/Appraisal Meets Guidelines; Client provided Updated Appraisal reflecting comments: The subject property is a garage conversion. It has been updated including siding, paint, electrical fixtures, plumbing fixtures, roof, gutters, engineered wood flooring, tile, XXX counter tops, custom tile backsplash, appliances, renovated baths and paint. No adverse conditions were noted at inspection. The floor plan appeared to be functional. The client also provided File No. XXX reflecting Permits used in XXX. LM Updated. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409045009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. Primary residence is listed as owned on Final 1003, but not listed in REO. Per guidelines, borrower can have no more than XXX day mortgage late in the last XXX months. Need to verify if the primary residence is financed and one of the mortgages showing on the credit report. Please provide a revised Final 1003 with the primary residence in the REO. | Documentation received, XXX to review.; docs; ; Documentation received, XXX to review.; | 04/21/2026 | The Final 1003 is Present; Please provide a copy of the fully executed lease agreement for the primary residence at XXX XXXr., evidencing monthly rent of XXX and include a Verification of Rent (VOR) documenting a XXX payment history. Additionally, provide a payment history for the previous residence since the borrower(s) only residedn in their current residence for XXX mos -> documentaiton is required to comply with XXX DSCR guidelines <- | 04/22/2026 | D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409045323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal was made as is, but with the following needed repairs noted (including pictures of the affected areas) paint exterior as needed due to chipping XXX replace and paint damaged wood as needed XXX replace drawer face in XXX and remove wallpaper and paint XXX as needed XXX for a total cost to cure of XXX The last sale of the property was XX/XX/XXXX (XXX days before this appraisal XX/XX/XXXX) and it sold for XXX and the property went on to appraise for XXX with no significant repairs noted as having been completed but instead a list of repairs that were still needed. The appraiser notes that the XX/XX/XXXX sale was not listed on MLS and details could not be verified. XXX the reason for the increase from XXX to XXX in just XXX months. | Documentation received, XXX to review.; Document Uploaded. docs; Evidence of repair was not provided on XXX documentation. DD had reopened condition on XXX; Documentation received, XXX to review.; Document Uploaded. ; Document Uploaded. ; | 04/21/2026 | The issue with the property has been resolved.; | 04/22/2026 | D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409045323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Missing addendum to note with prepayment penalty terms. Note provided does not indicate loan has a prepayment penalty; however, Final CD indicates a XXX year prepayment penalty applies to the loan. Please provide missing addendum with PPP terms. | Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2026 | The Note is Present | 04/17/2026 | D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409045323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Executed W-XXX for LLC as required per guidelines. | Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2026 |  | 04/17/2026 | D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409045414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043769 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Please waive for B grade: Comp factors: FICO XXX / DSCR >XXX / Excellent reserves ; For the escrows can you please push back as we do not require an escrow acct. Can we get an exception on this. ; ; ; | 04/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / DSCR >XXX / Excellent reserves | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043769 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. XXX DSCR v13 guidelines require two months of bank Statements when verifying assets. Most recent bank Statements have been provided; however, XXX acct#XXX is missing the prior month bank Statement for XXX-XXX, XXX | ; Please waive for B grade: Comp factors: FICO XXX / DSCR >XXX / Excellent reserves ; For the bank Statements we also only require XXX month bank Statements not XXX.; | 04/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / DSCR >XXX / Excellent reserves | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% A lender exception was approved for seller contribution exceeding XXX% up to XXX% IPC. Compensating factors listed as Experienced XXX. DSCR > XXX and no mortgage late payments. | ; ; | 04/16/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced XXX. DSCR > XXX and no mortgage late payments. | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Seller fraud report is missing | Documentation received, XXX to review.; Document Uploaded. please see XXX; | 04/13/2026 | Third Party Fraud Report is provided | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Numerous pages of the appraisal are cut off. Please submit a complete appraisal document for review. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Complete appraisal provided. ; The issue with the property has been resolved.; Client Re-Uploaded the Appraisal with pages cut off. Numerous pages of the appraisal are cut off. Please submit a complete appraisal document for review. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Lender guidelines require XXX to be leased at the time of closing and the borrower must provide evidence that the property has been leased for refinance transactions. The appraisal report State that the subject is tenant occupied, however the current monthly rental income section on the XXX was not completed. The lease agreement provided is illegible as the right half of the pages are cut off. Audit is XXX lease term, lease amount and if the property is currently leased as required. | ; Documentation received, XXX to review.; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 |  | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409042537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded bank Statement program v XX/XX/XXXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 |  | 04/13/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Waived | XXX | Credit | Application Profile Missing | Provide Business Narrative not contained in loan file. | ; Please waive for Grade B (not required for XXX)- Comp factors 55.40% LTV, XXX% DTI, XXX score; ; | 04/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 55.40% LTV, XXX% DTI, XXX score | 04/10/2026 | 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 55.4% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.4% is less than Guideline CLTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045776 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required LLC W-XXX for XXX | ; Documentation received, XXX to review.; Document Uploaded. W9 for Greentree is XXX; | 04/21/2026 | Lender provided the W-XXX for XXX. Condition cleared. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045801 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: Property Suburban per Appraisal; XXX DSCR; Property is Tenant Occupied; XXX FICO; No Mortgage Lates in last XXX months.; We agree to the price adjustment of - XXX; we kindly request that you waive this condition.; Post Close Exception Approved. Please note there will be XXX pricing adjustment for post close exception; XXX Guidelines verify on XXX - Exception Requested and reviewed on case by case basis. Please note there maybe impact to pricing if able to Approve.; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Property Suburban per Appraisal; XXX DSCR; Property is Tenant Occupied; XXX FICO; No Mortgage Lates in last XXX months.; | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045801 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue XXX XXX Expanded DSCR program requires XXX consent for married borrowers in community property States. Subject located in XXX missing required consent | ; ; Escalated to DD; Comment received, XXX to review.; Please note that the borrower's vesting on DOT is "XXX and XXX XXX wife and husband as joint tenants", the borrower's husband has already signed the Deed of Trust. Furthermore, XXX typically require a XXX Consent Form only for loans that close in the entity; in light of this, could you please waive this condition?; | 04/10/2026 | Property Title Issue Resolved; The spouse signed the DOT which can be used for consent. ; ; Property Title Issue Resolved | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045801 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Title Document is XXX Present | Title Document is incomplete or only XXX present. Title documentation does not reflect the amount of title coverage. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/10/2026 | Title Document is fully Present.; Client provided Supplemental Title Report reflecting the proposed insured loan amount is XXX LM Updated. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045801 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. Final 1003 does not list all real eState owned by the borrower (Primary) | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/10/2026 | The Final 1003 is Present; Client provided Updated 1003. LM Updated. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert The Lenders used property taxes of XXX per month to qualify borrower. FCD & PCCD, although not escrowing, do confirm this amount. The subject is new XXX. Tax rate and updated tax cert value have not been provided. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/13/2026 | Lender provided the Property Tax Cert. Condition cleared. | 04/13/2026 | 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<br> C<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 409046731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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 (pg XXX) 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/09/2026 | Evidence of appraisal delivery provided. | 04/09/2026 | 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<br> C<br> A<br> B | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 409046731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/09/2026 | Evidence of eConsent is provided. | 04/09/2026 | 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<br> C<br> A<br> B | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 409046733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Waived | XXX | Compliance | 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. | ; XXX Compliance officer has confirmed this can be waived. Comp factors: FICO XXX / Stable job / XXX history ; Any update on this as well ? ; Rebuttal received, XXX to review.; According to law, XXX USC XXX(c)(XXX): Prohibition against kickbacks and unearned fees: - Affiliated Business Disclosure is required to be disclosed withinn three days of application only if Loan Officer/ Company is accepting any fee, kickback, or thing of value pursuant to any agreement or understanding which is a part of a part of a real eState settlement service. This is not the case on this loan. If not accepting any fee, kickback, or thing of value then not needed. Please provide law reference if it's otherwise.; ; | 04/22/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / Stable job / XXX history.; Provide an attestation that either the lender has no affiliates or or no referral of business was made to an affiliate | 04/22/2026 | 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<br> D<br> B<br> A | B | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409046733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Missing the final CD or HUD for the departing residence which evidences that the property has been sold with payoff of Mortgage debt | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 |  | 04/20/2026 | 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<br> D<br> B<br> A | B | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409046733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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 (pg XXX) 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Evidence of appraisal delivery provided. | 04/13/2026 | 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<br> D<br> B<br> A | B | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409042921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report missing in the file. | Document Uploaded. Fraud report was in file. XXX for your review.; ; | 04/09/2026 | Lender provided the third party fraud report. No high alerts. ; Third Party Fraud Report is provided | 04/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| 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 50% is less than Guideline LTV of 75%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Missing Loan program disclosure | Missing W-XXX for LLC | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX W9 for LLC; | 04/23/2026 | Received W-XXX for LLC. Exception resolved. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Waived | XXX | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Per XXX DSCR v13 guidelines, Business Funds - Requires a copy of the full Operating Agreement that details ownership of the entity and access to funds in the entity's bank/brokerage account. - OR- Requires formal or official documentation from the bank substantiating that the applicant is an authorized signor and has access to business account funds. Missing for XXX Bank acct #XXX. | ; ; Document Uploaded. Please waive for Grade B- Cross Country allows for a CPA letter confirming use of business assets- XXX LOE and evidence of ownership of business. XXX score, 70% LTV, XXX months reserves; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX score, 70% LTV, XXX months reserves | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Page XXX of the appraisal report shows subject property is currently rented, page XXX shows XXX Occupied. Supplemental addendum comments State subject property was renovated, page XXX does not have XXX comments. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX revised appraisal and SSRs.; ; ; | 04/23/2026 | Property/Appraisal Meets Guidelines; Client provided Updated Appraisal, Freddie Mac SSR and FNMA SSR. LM Updated. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045362 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045516 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045554 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Waived | XXX | Credit | Borrower 2 Personal Bank Statements Missing | Borrower 2 Personal Bank Statements Missing The Asset Depletion program requires assets to be seasoned for XXX months. The loan file contains XXX months Statements. Provide additional, consecutive XXX months Statements to document seasoning. XXX XXX accounts all missing XXX months of Statements. Also of note, income worksheet has IRA accounts listed as XXX% and XXX XXX Expanded Alt Doc Guidelines for Asset Depletion indicate retirement assets are only eligible at XXX% Income calculation worksheet shows XXX eligible assets; however, audit calculation is XXX in eligible assets with XXX% IRA balances. This would reduce the calculated income to $XXX. | ; ; Please waive for Grade B- XXX guides does not require XXX months seasoning and lower income fits within DTI requirements- comp factors LTV 40.61% LTV, XXX% DTI, Score XXX; | 04/22/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose LTV 40.61% LTV, XXX% DTI, Score XXX | 04/22/2026 | 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 40.61% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.61% is less than Guideline LTV of 75%<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409045709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Waived | XXX | Credit | Borrower 1 Personal Bank Statements Missing | Borrower 1 Personal Bank Statements Missing The Asset Depletion program requires assets to be seasoned for XXX months. The loan file contains XXX months Statements. Provide additional, consecutive XXX months Statements to document seasoning. XXX XXX accounts all missing XXX months of Statements. Also of note, income worksheet has IRA accounts listed as XXX% and XXX XXX Expanded Alt Doc Guidelines for Asset Depletion indicate retirement assets are only eligible at XXX% Income calculation worksheet shows XXX eligible assets; however, audit calculation is XXX in eligible assets with XXX% IRA balances. This would reduce the calculated income to $XXX. | ; ; Please waive for Grade B- XXX guides does not require XXX months seasoning and lower income fits within DTI requirements- comp factors LTV 40.61% LTV, XXX% DTI, Score XXX; | 04/22/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose LTV 40.61% LTV, XXX% DTI, Score XXX | 04/22/2026 | 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 40.61% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.61% is less than Guideline LTV of 75%<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409045709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 on the initial CD dated XX/XX/XXXX. File does contain a COC, however underestimation is not a valid reason for the increase. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX PCCD, LOX,, cure check and shipping label. Being shipped today.; ; | 04/22/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 04/22/2026 | 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 40.61% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.61% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409041483 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043898 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing executed W9 for the business entity and missing EIN documentation. | ; Documentation received, XXX to review.; Document Uploaded. ; Updated condition; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/28/2026 | W9 for business provided; Client provided EIN assignment search reflecting XXX-XXX for XXX. Still need executed W-XXX for Business Entity. | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043898 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; Document Uploaded. ; Please waived- escrow waiver already priced. 70% LTV, score XXX DSCR XXX; ; | 04/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose 70% LTV, score XXX DSCR XX/XX/XXXX | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Title commitment dated XX/XX/XXXX has incorrect vesting name of "XXX Family Revocable Living Trust" vs. "XXX Family Revocable Living Trust" as disclosed on the Note and Certification of Trust. | Documentation and comment received, XXX to review.; Document Uploaded. Please see XXX final title policy confirming the correct vesting to be "XXX Family Revocable Living Trust" as disclosed on the Note and Certification of Trust.; | 04/10/2026 | Property Title Issue Resolved | 04/13/2026 | 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%<br> D<br> A<br> C | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409044402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Inquiry letter provided addresses inquiries dated > XXX days (XX/XX/XXXX & XX/XX/XXXX). Missing letter of explanation for inquiries within XXX days of note date. Borrower has two credit inquiries dated XX/XX/XXXX. | Documentation and comment received, XXX to review.; Document Uploaded. The inquiry made on XX/XX/XXXX was by XXX which is this mortgage transaction. The other inquiries were all from XX/XX/XXXX and XX/XX/XXXX which were addressed on the XXX LOE that's in the file. ; | 04/10/2026 |  | 04/13/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409044402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Lender did not provide ATR/QM Status Determination. Missing ATR/QM status determination. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX compliance report which was also in the legal package. ; | 04/10/2026 |  | 04/13/2026 | 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%<br> D<br> A<br> B | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409044402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Deed of Trust provided is missing page XXX | Document Uploaded. Please see XXX; Documentation received, XXX to review.; ; | 04/13/2026 | The Deed of Trust is Present and Complete | 04/13/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409044402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Missing Trust Agreement | Missing Trust Agreement File only contains Certification of Trust. Missing copy of Trust agreement. | Documentation received, XXX to review.; Document Uploaded. The fully executed certification of trust in the credit package must be sufficient. Please see XXX. ; | 04/10/2026 | Trust Agreement Meets Guideline Requirements | 04/13/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409044402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | XXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. | Documentation received, XXX to review.; Document Uploaded. Please find XXX RTC. ; | 04/10/2026 | Right of Rescission is Provided | 04/13/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045383 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; Document Uploaded. DD to waive for B Grade. Exception Approved XXX. Comp Factors: 22.74% LTV; XXX FICO; XXX DSCR; XXX Most PITIA reserves (Cover tax and insurance payments for XXX months) ; XXX to review for exception; | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose 22.74% LTV; XXX FICO; XXX DSCR; XXX Most PITIA reserves (Cover tax and insurance payments for XXX months) | 04/13/2026 | 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 22.74% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 22.74% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal pdf was corrupted upon upload. Many portions of data on the appraisal have a square where data (such as a number) should be. Please provide a completely legible copy of the appraisal for review. | Document Uploaded. ; | 04/09/2026 | Property/Appraisal Meets Guidelines | 04/12/2026 | 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 22.74% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 22.74% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045642 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | ASPR DSCR v13 guidelines require escrows for taxes and insurance. | ; ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: 62.5% LTV; XXX mos PITIA reserves (Will cover XXX months tax and insurance payments); XXX FICO; No Mortgage Lates in XXX mos.; XXX to review for exception; | 04/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose 62.5% LTV; XXX mos PITIA reserves (Will cover XXX months tax and insurance payments); XXX FICO; No Mortgage Lates in XXX mos. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045642 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Seller's fraud report discloses undisclosed property not listed on the Final 1003 (XXX XXX). Provide updated Final 1003 with all properties owned by borrower. | Fraud Report Shows Uncleared Alerts Seller's fraud report discloses undisclosed property not listed on the Final 1003 (XXX XXX). Provide updated Final 1003 with all properties owned by borrower. | 04/09/2026 | All Fraud Report Alerts have been cleared or None Exist; Per XXX XXX guidance, the borrower is only required to disclose the primary residence, subject property, and any property with a mortgage that is reporting on the credit report. This update will be included in version XX/XX/XXXX of the XXX DSCR guidelines. Finding is resolved. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046092 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects Monthly Insurance, Taxes, and Association Dues for borrower's investment property on XXXas XXX per month. Lender has provided documentation for property taxes and hazard insurance, leaving XXX per month not documented, and HOA dues have not been addressed in file. | Documentation received, XXX to review.; Document Uploaded. Please see XXX. ; | 04/10/2026 |  | 04/13/2026 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Missing Seller's copy of XXX. Lender did not provide ATR/QM Status Determination. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX and that was in the legal package; | 04/22/2026 | ATR/QM status provided | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 80% \| 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 26.32% is less than Guideline CLTV of 80% \| 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409046217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Waived | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Mortgage Broker Fee XXX Underwriting Fee $XXX. It appears that lender originated loan as Non QM, however, per client direction, finding will XXX active pending review. | ; DD to waive for B Grade. Approved exception XXX. Comp Factors: XXX FICO; XXX% DTI; XXX mos PITIA reserves; 26.32% LTV Note to Seller: Exception Approved with XXX price adjustment.; Exception approved with XXX hit to price. ; ; XXX to review for exception. DD to reopen finding; this is a NQM and the points and fees can go up to XXX% please review and clear; | 04/22/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX% DTI; XXX mos PITIA reserves; 26.32% LTV.; Finding status reopened per XXX request. | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 80% \| 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 26.32% is less than Guideline CLTV of 80% \| 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409046217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Rescinded | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Per XXX XXX Expanded XX/XX/XXXX guidelines, credit tradelines must meet the following requirements; two tradelines must be open for XXX months and active within the most recent XXX months - or- three tradelines reporting XXX months recent activity. Borrower is a cosigner on one mortgage that they are not making the payments on that has been open for XXX months and borrower has a XXX account open for XXX months with no balance or regular payment history reported. Borrower does not meet the requirements for tradelines per the guidelines. | ; ; ; XXX to review for Exception. Pending Review. DD to Reopen Finding; Please review and advise on an exception; | 04/22/2026 | Borrower has XXX tradelines that meet guideline requirements. Finding is rescinded. ; Tradelines meet Guideline Requirements; reopened for exception review by XXX | 04/22/2026 | C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification the following mortgage is current XXX #XXX credit report reflects DLA XX/XX/XXXX. Subject loan closed XX/XX/XXXX and XXX DSCR v13 guidelines require housing history reflect XXX. | ; Documentation and comment received, XXX to review.; Document Uploaded. see XXX memo. the loan in question was sold and transferred to another lender. new soft pull uploaded shows this information. Please clear. ; | 04/16/2026 | Housing History Meets Guideline Requirements; Client provided new soft pull Credit Report and States: New Soft Credit pull uploaded shows the loan was transferred/sold and paid off in full. Report reflects XXX for Mortgages. LM Updated. | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue MISSING MORTGAGE payoff Statement. | ; Documentation and comment received, XXX to review.; Document Uploaded. payoff Statement XXX and was included in original loan file.; | 04/16/2026 | Property Title Issue Resolved; Client provided mortgage payoff Statement. LM Updated. | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required Tax EIN | ; Document Uploaded. ; | 04/10/2026 | Lender provided the EIN for XXX | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. XXX account #XXX dated XX/XX/XXXX reflects a large online deposit transfer from checking acct #XXX for XXX on XX/XX/XXXX. Borrower sold a property on XX/XX/XXXX and proceeds received was $XXX. Audit is unable to confirm if this is part of the deposit due to no other documentation was provided and does not equal the XXX deposit in question. Missing bank Statement for checking acct #XXX and verification of deposit. | Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Asset Qualification Meets Guideline Requirements.; Client provided XXX bank Statements for account #XXX for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX Statement reflects the deposit of XXX and the transfer of XXX The account is a Trust account. LM Updated. | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.39% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.39% is less than Guideline CLTV of 80%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Missing Trust Agreement | Missing Trust Agreement Missing copy of Trust Agreement. | Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Trust Agreement Meets Guideline Requirements; Client provided Trust Agreement and Certification of Trust. LM Updated. | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.39% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.39% is less than Guideline CLTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041754 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Exception approved for rural finding- DSCR- XXX Score XXX Comps within XXX mile of subject. ; Please waive- property is not rural as identified on appraisal. Not required per XXX guides.; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR- XXX Score XXX Comps within XXX mile of subject.; Exception requested for rural property. Two compensating factors required. ; Property designated as rural per XXX Website. Verified appraisal does not show Rural. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the housing payment history for the primary residence at XXX | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/13/2026 | Housing History Meets Guideline Requirements | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. Missing the Business Purpose Affidavit/Disclosure | Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Business Purpose Affidavit/Disclosure Provided | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Title Document is XXX Present | Title Document is incomplete or only XXX present. Missing a legible Title document s The data is truncated on the title such as the effective date, policy amount, etc. | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/13/2026 | Title Document is fully Present. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042520 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing explanation and supporting documentation for large deposit(s) to XXX #XXX for XXX on XX/XX/XXXX. | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/13/2026 | Large deposit source received. | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/08/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP CU Score of XXX. No CDA provided for review. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/17/2026 | Third party valuation product provided within tolerance.; Client provided XXX. LM Updated. | 04/17/2026 | 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.<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409043549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing. | Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 | The Final 1003 is Present | 04/14/2026 | 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 64.03% is less than Guideline CLTV of 75%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409043549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | Missing HUD-XXX Closing Statement |  | Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | ; Final HUD-XXX Document is estimated only. The settlement Statement provided is estimated and not signed, and it shows cash to the borrower. All approval documents contained in the loan file State no-cash out refinance. | 04/14/2026 | 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 64.03% is less than Guideline CLTV of 75%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409043549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. The appraisal identifies the subject property to be XXX occupied. | Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Intent of borrower's occupancy supported | 04/14/2026 | 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 64.03% is less than Guideline CLTV of 75%<br> D<br> A<br> C | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409043549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. | Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | Business Purpose Affidavit/Disclosure Provided | 04/14/2026 | 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 64.03% is less than Guideline CLTV of 75%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409043549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | Final HUD-XXX Document is Missing | Final HUD-XXX Document is Missing The settlement Statement provided is estimated and not signed, and it shows cash to the borrower. All approval documents contained in the loan file State no-cash out refinance. | Final HUD-XXX Document is Missing The settlement Statement provided is estimated and not signed, and it shows cash to the borrower. All approval documents contained in the loan file State no-cash out refinance. | 04/10/2026 | Duplicate finding. ; ; Final HUD-XXX Document is not missing or estimated only. The settlement Statement provided is estimated and not signed, and it shows cash to the borrower. All approval documents contained in the loan file State no-cash out refinance. ; Final HUD-XXX Document is not missing. The settlement Statement provided is estimated and not signed, and it shows cash to the borrower. All approval documents contained in the loan file State no-cash out refinance. | 04/10/2026 | 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 64.03% is less than Guideline CLTV of 75%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409043711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; Please waive for B grade - Comp factors: FICO XXX; DSCR >XXX; XXX history | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX; DSCR >XXX; XXX history | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043758 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Only one month of Statements were provided for the XXX and XXX accounts. | ; Please waive finding as per previous request, referencing previously Stated comp factors.; ; Please waive for B grade - Comp factors: FICO XXX / DSCR >XXX / LTV 54%; XXX reviewing for exception. Exception pricing implication may apply.; ; ; Please review uploaded docs; Document Uploaded. ; Documentation received, XXX to review.; | 04/28/2026 | Client approved an exception to guidelines to allow for less than XXX months of bank Statement for asset documentation. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR >XXX / LTV 54%.; Note received to approve exception. XXX to provide written approved exception with comp factors.; Audit has reviewed documentation; Update -> Provide XXX bank Statement for account #XXX covering XX/XX/XXXX - XX/XX/XXXX. The XXX XXX - XXX XXX Statement and online transaction history through XXX XXX were received; however, these do not satisfy the two-month bank Statement requirement under the XXX Expanded Program guidelines; audit removed XXX and XXX #XXX accounts due to borrower has sufficient funds to close and reserves. ; Provide XXX bank Statement for account #XXX covering XX/XX/XXXX - XX/XX/XXXX. The XXX XXX - XXX XXX Statement and online transaction history through XXX XXX were received; however, these do not satisfy the two-month bank Statement requirement under the XXX Expanded Program guidelines; audit removed XXX account and borrower has sufficient funds to close and reserves. | 04/28/2026 | 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.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043758 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) | ; | 04/20/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 04/20/2026 | 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.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043758 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | ; ; | 04/20/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 04/20/2026 | 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.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043758 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/13/2026 | The Final 1003 is Present | 04/13/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing explanation and supporting documentation for large deposit(s) in XXX #XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/30/2026 | Lender provided documentation for the large deposits. The XXX attachment is the Crews Statement #XXX. If you look at page XXX on XX/XX/XXXX the XXX is the Daily balance,(not a large deposit), The 2nd attachment is Crews Statement for XX/XX/XXXX to XX/XX/XXXX. On page XXX the XXX is the daily balance, again not a large deposit. The third attachment is a printout for acct XXX for XX/XX/XXXX, the XXX is from the borrower's business (XXX). ; Audit reviewed the lender's response. Missing explanation and supporting documentation for large deposit(s): XXX #XXX XX/XX/XXXX XXX #XXX XX/XX/XXXX and XXX #XXX XX/XX/XXXX $XXX. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing XXX months asset Statements for XXX #XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | Asset Record XXX Meets G/L Requirements Or XXX.; Client provided XXX months bank Statements from XXX #XXX. LM Updated. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/17/2026 |  | 04/17/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409041016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Non-Borrower Title Holder Did Not Receive Right of Rescission Form Documentation required to clear exception: Provide executed Right of Rescission for non-borrowers, XXX XXX. | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/14/2026 | Non-Borrower Title Holder Received Right of Rescission Form | 04/15/2026 | 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 62.76% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.76% is less than Guideline LTV of 90%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409042444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042822 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/15/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/15/2026 | 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%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409043200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The subject property is zoned SR-1A, Legal Nonconforming (Grandfathered Use) and the appraiser did not comment on the ability to rebuild. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | The issue with the property has been resolved. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Borrower does not meet the program requirement of XXX trade lines reporting for XXX months or XXX reporting for XXX months with activity in the last XXX months. XXX approved an exception to guidelines. Missing compensating factors. | ; Comp factors Fico XXX experienced XXX- B1 owns XXX other investment properties, Mortgage history on bureau goes back to XXX months reserves; Document Uploaded. Exception approved for tradelines- see XXX. ; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose Fico XXX experienced XXX- B1 owns XXX other investment properties, Mortgage history on bureau goes back to XXX months reserves | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Missing Lease Agreement | The subject property is XXX units and the appraisal identifies all XXX units to be tenant occupied. No lease agreements provided for review. | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/14/2026 | Client provided Lease Agreements. LM Updated. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043416 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Per XXX v12, if the credit report indicates inquiries within the most recent XXX days of the credit report, the seller must confirm the borrower did not obtain additional credit that is not reflected on the credit report or mortgage application. In these instances, the borrower must explain the reason for the inquiry. If additional credit was obtained, a verification of that debt must be provided. The credit report dated XX/XX/XXXX reflected the following inquiries which need to be addressed: XX/XX/XXXX XXX, XX/XX/XXXX XXX, XXX/XXX. | ; Documentation received, XXX to review.; Document Uploaded. The XXX /XXX is new debt which is listed on the credit report #XXX. see XXX the disclosure ; ; | 04/17/2026 |  | 04/17/2026 | 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 85% \| 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 85%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043873 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | XXX DSCR v13 guidelines require escrows for taxes and insurance. | ; Please waive for grade B- Comp factors XXX DSCR, 53% LTV, XXX score; | 04/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX DSCR, 53% LTV, XXX score | 04/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.33% is less than Guideline CLTV of 75% \| 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 53.33% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Rescinded | XXX | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Final CD shows that loan is assumable. Loan is a fixed rate note and is not assumable. | ; ;.; Documentation received, XXX to review.; XXX has a strict State law requiring all loans, conventional or otherwise, to be assumable. Please waive.; | 05/13/2026 | Per XXX law, all loans must be assumable. Proper verbiage in mortgage and note. | 05/13/2026 | D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Per XXX DSCR v13 guidelines, Certificate of Good Standing, no more than XXX days from the note date | ; Documentation received, XXX to review.; This is not a valid condition as there was no mortgage on this property prior to the refinance. It was owned free and clear per credit report and title-please waive; The category is CREDIT and the condition name is "Missing Verification of Mortgage" with the description "Certificate of good standing". Was this supposed to be categorized differently? There is a company good standing search in the file we provided dated XX/XX/XXXX and we closed XX/XX/XXXX-this is not a valid condition. I have escalated to our rep. ; | 04/29/2026 | Received COGS dated within XXX days prior to the Note date. Finding is resolved. ; ; Updating status back to Open per XXX request. | 04/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| 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 65% is less than Guideline CLTV of 75%<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX DSCR v13 guidelines, escrow account required. XXX payment does reflect. | ; | 04/10/2026 | Client approved an exception to guidelines to allow for non-escrowed loan. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR XXX and XXX months of reserves. | 04/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| 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 65% is less than Guideline CLTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Page XXX of the appraisal report shows the subject property county as XXX. The preliminary title report and deed of trust show it as XXX. | ; Documentation received in XXX review.; Document Uploaded. ; ; | 04/21/2026 | Property/Appraisal Meets Guidelines | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| 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 65% is less than Guideline CLTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Provide Personal Guaranty document. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/27/2026 | Documentation is sufficient. Guaranty provided. Exception resolved.; Personal Guaranty provided. | 04/27/2026 | 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 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Rescinded | XXX | Credit | Income and Employment Do Not Meet Guidelines | Tax preparer LOX in file verifies the borrower's percentage of ownership. Provide verification of the Tax Preparers license. Income and Employment Do Not Meet Guidelines | Comment received, XXX to review.; Why is this required please? The other loan was not conditioned for a copy of the license-the agent number is listed on the CPA letter and this should be sufficient. Please waive.; | 04/14/2026 | This is not a requirement for XXX XXX DSCR v13 guidelines. Finding is rescinded. ; Verified documentation was not provided in loan file reviewed. Please upload. | 04/27/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Rescinded | XXX | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Final CD shows loan as assumable. Per note, loan is a convention fixed rate loan, which is not assumable. | ; Comment received, XXX to review.; XXX State law requires all mortgages be notes as assumable. Please waive; | 04/16/2026 | Note contains verbiage stating "made pursuant to title XXX subtitle XXX of the XXX commercial law which States loans are assumable. ; While CD indicates loan is assumable, note does not. | 04/27/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; ; Escrow waiver was approved. ; Comment received, XXX to review.; Loan was locked with a pricing hit for no escrow impounds-why allow the lock, issue the hit if not waiving escrows was not an option?; | 04/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX and FICO XXX.; XXX to provide Exception Approval and include XXX comensating factors.; XXX to provide Exception Approval and include XXX comensating factors.; | 04/27/2026 | 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 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Borrower name is XXX XXX. The Articles and W-XXX reflect the borrower name is XXX XXX. Provide re-executed Mortgage. | ; ; Document Uploaded. ; ; Document Uploaded. Documentation received in XXX review.; | 04/20/2026 | The Deed of Trust is Present and Complete; Client provided Updated Note, Deed of Trust and official intent to rerecord Deed of Trust. LM Updated. | 04/20/2026 | 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 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete LLC is incorrect and reads XXX XXX. Articles and W-XXX both reflects XXX XXX. | ; ; ; Document Uploaded. Documentation received in XXX review.; ; | 04/20/2026 | The Note is Present; Client provided Updated Note, Deed of Trust and official intent to rerecord Deed of Trust. LM Updated. | 04/20/2026 | 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 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Provide evidence of EIN. | ; ; Documentation received, XXX to review; Document Uploaded. ; Comment received, XXX to review.; This was provided on the business W9 within our scanned image. Please waive.; ; | 04/17/2026 | Client provided Executed W-XXX from XXX XXX LXXX reflecting the EIN XXX-XXX. LM Updated.; Verified documentation was not provided in loan file reviewed. Please upload. | 04/17/2026 | 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 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Income/Employment General | Provide Operating Agreement for business. | ; Document Uploaded. ; Documentation received, XXX to review; Comment received, XXX to review.; Within our scanned loan, there was a Corporation Affidavit that outlined workings of the business. Please waive this condition-; | 04/17/2026 | Client provided Articles of Incorporation and Corporation Affidavit. ; Verified documentation was not provided in loan file reviewed. Please upload. | 04/17/2026 | 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 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045621 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Condo Rider is Missing | Condo Rider is Missing Condo Rider Missing in this file. | ; Document Uploaded. ; Documentation received, XXX to review.; see uploaded; ; | 04/24/2026 | The Condo Rider is Present; Client provided Recorded Mortgage and XXX Rider. LM Updated. | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 80% \| 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 54.79% is less than Guideline CLTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045621 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Deed of Trust and all applicable Riders are missing. | ; Document Uploaded. ; Documentation received, XXX to review.; see uploaded; ; ; | 04/24/2026 | The Deed of Trust is Present; Client provided Recorded Mortgage and XXX Rider. LM Updated. | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 80% \| 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 54.79% is less than Guideline CLTV of 80%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045704 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/24/2026 | Evidence of eConsent is provided. | 04/24/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045704 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Reserves in the amount of XXX have note been verified. | ; Please review and clear finding- borrower had to bring in XXX for closing per CD. XXX account reflected $XXX balance- there are sufficient funds for reserves. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/24/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Client provided XXX Statement dated XX/XX/XXXX reflecting a balance of $XXX. LM Updated.; Client provided XXX Statement for account #XXX reflecting XXX balance. Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Reserves in the amount of XXX have note been verified. | 04/24/2026 | 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.<br> D<br> B<br> C<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045704 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Reserves in the amount of XXX have note been verified. | ; Please review and clear finding- borrower had to bring in XXX for closing per CD. XXX account reflected $XXX balance- there are sufficient funds for reserves. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/24/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client provided XXX Checking Statement dated XX/XX/XXXX reflecting a balance of $XXX. LM Updated.; Client provided XXX Statement for account #XXX reflecting XXX balance. Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Reserves in the amount of XXX have note been verified. | 04/24/2026 | 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.<br> D<br> B<br> C<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045704 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Post Close assets are short by $XXX. Please note that per the XXX funds to close are from a secured loan which has not been document. | ; Please review and clear finding- borrower had to bring in XXX for closing per CD. XXX account reflected $XXX balance- there are sufficient funds for reserves. There is a transaction history provided that shows the updated balance after the loan was deposited. ; Documentation received, XXX to review.; Document Uploaded. ; | 04/24/2026 | Funds are found to meet guidelines.; Client provided XXX Checking Statement dated XX/XX/XXXX reflecting a balance of $XXX. LM Updated.; Client provided XXX Statement for account #XXX reflecting XXX balance. When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Post Close assets are short by $XXX. Please note that per the XXX funds to close are from a secured loan which has not been document. | 04/24/2026 | 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.<br> D<br> B<br> C<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045704 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Waived | XXX | Credit | Application Profile Missing | Business narrative form is missing. | ; Please waive for Grade B- Comp Factor- DTI XXX Score XXX experienced homeowner. ; | 04/15/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DTI XXX Score XXX experienced homeowner. | 04/15/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% XXX XXX program guideline max LTV is 75% for purchase of an Investment property with FICO score of XXX Audit LTV of 80% exceeds guidelines LTV. | ; ; ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: XXX FICO; XXX mos PITIA reserves; XXX% DTI, LTV within XXX Expanded Guidelines.; Document Uploaded. Loan is underwritten to FMHL guidelines; XXX to review for exception. Outside of FMHL Variance but within XXX Expanded Guidelines.; | 04/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX mos PITIA reserves; XXX% DTI, LTV within XXX Expanded Guidelines | 04/20/2026 | 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%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Audited interested party contribution of XXX% exceeds guidelines maximum of XXX% for Investment properties. | ; ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: XXX FICO; XXX mos PITIA reserves; XXX% DTI, LTV within XXX Expanded Guidelines.; ; Document Uploaded. Loan is underwritten to FMHL guidelines; Post Close Exception in Process - DD to reopen finding; XXX to review for exception. Not addressed in FMHL Variance. ; | 04/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX mos PITIA reserves; XXX% DTI, LTV within XXX Expanded Guidelines.; | 04/20/2026 | 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%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Borrower signed as a Type of Party Not Allowed by the Loan Program | XXX XXX Expanded v12/FHML Variance does not allow Business Entity Borrowers. The Note is in the name of XXX XXX XXX LLC. | Escalated to DD - LLC Vesting permitted per FMHL Variance. - DD to review FMHL Variance for XXX Expanded.; Document Uploaded. Loan is underwritten to FMHL guidelines; | 04/15/2026 | FMHL variance allows LLC borrowing entities. Personal guaranty is contained in the loan file. Fraud report includes criminal search. Finding is resolved. ; Provide a copy of the criminal record search and documentation evidencing the borrower entity's acknowledgment of a personal guaranty, as both are required by the eligibility variance guidelines. The Guaranty Agreement on file does not specify personal recourse. | 04/16/2026 | 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%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded v12 Bank Statement Program. | ; DD to waive for B Grade. Seller does not required. Not in seller variance yet but when reviewed with XXX team on other loans from seller, fine to waive pending update to variance. Comp Factors: XXX FICO; XXX mos PITIA reserves; XXX% DTI; | 04/14/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XXX mos PITIA reserves; XXX% DTI | 04/14/2026 | 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%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Document Uploaded. Exception approved- please waive. Comp factors- Experienced XXX Score- XXX Excellent credit history, depth of XXX years experience. ; | 04/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX Excellent credit history, depth of XXX years experience. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Rescinded | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Per XXX DSCR v13 guidelines, All loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. Required XXX months market rent XXX policy coverage shows XXX | ; ; Rental loss should be based on XXX months of rent used for qualifying. Rent used of XXX the loss coverage of $120k is sufficient cover.; | 04/21/2026 | Client States: Rental loss should be based on XXX months of rent used for qualifying. Rent used of XXX the loss coverage of $120k is sufficient cover. XXX x XXX = XXX Loss of Use/Rents XXX LM Updated. | 04/21/2026 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Approval/Underwriting Summary XXX Provided | Approval/Underwriting Summary XXX Provided. The XXX provided has the wrong loan amount, the wrong mortgage payment and the wrong insurance payment (incorrect PITI). Please provide the final XXX with the correct loan amount and final PITIA for the subject property. | ; Documentation received in XXX review.; Document Uploaded. ; | 04/17/2026 | Approval/Underwriting Summary is fully present | 04/17/2026 | 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 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| 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%<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Property is a barndominium home and the property is rural. A Lender Exception was granted with a LOE that borrower is not going to use the property as wedding/business venue. Compensating factors cited are stable XXX and XXX months of liquid reserves. | ; | 04/17/2026 | Client approved an exception to guidelines to allow for barndominium style property. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: stable XXX and XXX months of liquid reserves. | 04/17/2026 | 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 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| 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%<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing tax certificates to properly count expenses for investment properties XXX XXX. | ; Document Uploaded. ; Documentation received in XXX review.; | 04/17/2026 |  | 04/17/2026 | 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 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| 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%<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | ASPR DSCR v13 guidelines require escrows for taxes and insurance. | ; ; Document Uploaded. ; Documentation received, XXX to review.; | 04/17/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following: Pricing hit for escrow waiver.; Exception approval received, Please provide at least XXX compensating factors | 04/17/2026 | 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 64.09% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.09% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. | Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2026 | Initial Escrow Account Disclosure is Resolved | 04/17/2026 | 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 LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Experienced XXX- owns other properties in XXX, XXX Scores- XX/XX/XXXX Excellent credit history, depth of XXX years experience.; ; ; Document Uploaded. Please waive- exception approved for Rural per XXX. Comps - Experienced XXX- owns other properties in XXX, XXX, Scores- XX/XX/XXXX, Excellent credit history, depth of XXX years experience.; ; | 04/17/2026 | Waived per client. Client accepts risk of B grade and acknowledges the following compensation factors for this purpose: owns other properties in XXX, XXX Scores- XX/XX/XXXX Excellent credit history, depth of XXX years experience.; ; Exception approval received, however no compensating factors provided. Please provide at least XXX compensating factors | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Per appraisal XXX rent is XXX so XXX months would be XXX Rent Loss coverage shows XXX per month for XXX months. | ; Document Uploaded. ; ; | 04/16/2026 | Loss Rent Coverage is Sufficient; Client provided Updated Evidence of Property Insurance reflecting XXX months Loss of Rents XXX per month max. LM Updated. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046224 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following: Pricing hit for escrow waiver.; Exception approval received, Please provide at least XXX compensating factors | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required Self XXX Business Narrative for Bank Statement Income as required per XXX XXX Expanded Alt Doc guidelines. | ; DD- Please review - LOEs do address business items needed. ; Although the business narrative is not on the XXX word document, it does detail all the specifics regarding the business, virtual with no rents, remote employees - XXX not selling goods, just services. etc. Please kindly accept with the informatin included. ; ; Documentation and comment received, XXX to review.; Document Uploaded. lox regarding income and also business profile information XXX.; | 04/29/2026 | While business narrative is not on a standard form, it meets XXX guidelines. Finding clear ; Client provided LOE for calculated monthly income. However, XXX Expanded Eligibility Guide v12 Business Bank Statement Documentation Requirements - Each loan requires a CPA or XXX and signed XXX Business Narrative that includes at minimum details related to the description, nature, size (full-time employees and or contractors) and scope of the business. The underwriter will evaluate the reasonableness of the expenses listed by the borrower. Initial 1003 with monthly income disclosed (Signed). ; Client provided LOE for calculated monthly income. However, XXX Expanded Eligibility Guide v12 Business Bank Statement Documentation Requirements - Each loan requires a CPA or XXX and signed XXX Business Narrative that includes at minimum details related to the description, nature, size (full-time employees and or contractors) and scope of the business. The underwriter will evaluate the reasonableness of the expenses listed by the borrower. Initial 1003 with monthly income disclosed (Signed). | 04/29/2026 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is XXX Present. Missing documentation like divorce decree and mortgage Statement for XXX payment each month for Bankers Trust which just says Ex Wife on Final 1003. Please provide documentation showing the property this is XXX to and that the party other than the borrower is required to pay it due to divorce as it is showing on the credit report. | ; ; As Stated, borrower quit claimed to ex-spouse. He is continuing to pay on the mortgage. It is on the credit bureau under Bakers Trust XXX a month. DTI for borrower with the mo payment included makes dti XXX /XXX. Please kindly clear.; ; Documentation and comment received, XXX to review.; Document Uploaded. The liability is the borrowers, but he is no longer XXX of the property it is tied to. When including the payment which is XXX not XXX our ratio is just under XXX% ; | 04/23/2026 | Borrower 1 Credit Report is not XXX present.; Client provided Deed of Trust and Quit Claim Deed removing the Borrower as XXX. Missing divorce decree and mortgage Statement for XXX payment each month for Bankers Trust which just says Ex Wife on Final 1003. | 04/23/2026 | 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%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; ; Please waive for B grade; Comp factors: DSCR >XXX; LTV XXX; FICO greater than minimum; | 04/14/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DSCR >XXX; LTV XXX; FICO greater than minimum | 04/14/2026 | 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 39.53% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.53% is less than Guideline LTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage XXX XXX DSCR guidelines require a min of XXX months coverage for the subject property. | ; Document Uploaded. Please review and rescind - Fair rental value included on binder in the file.; | 04/14/2026 | Rent Loss Coverage Present | 04/14/2026 | 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 39.53% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.53% is less than Guideline LTV of 70%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045322 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Subject is a XXX condotel, per lender guidelines the project is to have no more than XXX% XXX concentration. Questionnaire indicates > XXX% XXX concentration, no lender exception was provided. | ; Documentation and comment received, XXX to review.; Document Uploaded. Per U/W XX/XX/XXXX--Exception not needed. Total XXX concentration per condo questionnaire is XXX units out of a total of XXX which is less than XXX%--cannot count second XXX as XXX units.; Condo cert investment properties owned owned per HOA does not match appraisal. Appears second XXX included as investment properties. Appraisal update likely needed to be consistent with Condo Questionnaire. Finding added on XX/XX/XXXX after rebuttal for concentration to reconcile data.; Exception Entered. Pending Review; Advise if XXX to review for exception. Please note there maybe impact to pricing.; | 04/24/2026 | The issue with the property has been resolved.; Client States: Document Uploaded. Per U/W XX/XX/XXXX--Exception not needed. Total XXX concentration per condo questionnaire is XXX units out of a total of XXX which is less than XXX%--cannot count second XXX as XXX units. LM Updated. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A | A | A | A | A | A |
| 409043829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: | ; | 04/24/2026 | Property/Appraisal Meets Guidelines; Client States: Document Uploaded. Per U/W XX/XX/XXXX--Exception not needed. Total XXX concentration per condo questionnaire is XXX units out of a total of XXX which is less than XXX%--cannot count second XXX as XXX units. LM Updated.; Property/Appraisal guideline violation: The loan file contains conflicting information between the Condo Approval documents and the Appraisal regarding ownership of units. Please reconcile this data and update as needed. | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A | A | A | A | A | A |
| 409043829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Missing Loan program disclosure | Missing page XXX of XXX of the signed closing disclosure. | Documentation received, XXX to review.; Document Uploaded. Please see XXX ; | 04/14/2026 | Client provided Complete Executed Closing Disclosure. LM Updated. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A | A | A | A | A | A |
| 409045579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Deed of Trust, property description on page XXX shows property is located in XXX. Title, Appraisal and previous Deed all show property is located in XXX. Please upload a corrected Deed of Trust showing subject property is located in XXX. | Documentation received, XXX to review.; Document Uploaded. Please review the XXX Scriveners Affidavit - County Name Corrected; | 04/21/2026 | Documentation is sufficient. Affidavit provided. Exception resolved.; The Deed of Trust is Present and Complete | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.64% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.64% is less than Guideline LTV of 90% \| 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The lender's guidelines require coverage in an amount not less than the lesser of the XXX balance of the loan and the full insurable value of each mortgaged property. The Note reflects a loan amount of XXX The insurance reflects dwelling protection of XXX with optional/increased coverage; however, the proof of insurnace does not reflect the amount of the increased coverage. | ; Documentation and comment received, XXX to review.; Document Uploaded. please see RCE XXX. Dwelling covers RCE and satisfactory to resolve finding; | 04/21/2026 | Documentation is sufficient. RCE provided. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/21/2026 | 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%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409045303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Per guidelines investment properties maximum IPC is XXX% The sale price is $XXX\*XXX=$XXX. Per CD the sellers credits are $XXX. Which is a total of XXX over the XXX% IPC. | ; Document Uploaded. DD to waive for B Grade. Exception has been approved. \*\*\*Comp Factors: XXX FICO; XXX mos PITIA reserves; XXX DSCR; 48.66% LTV; Post Close Exception has been Reviewed and Approved. Please not there will be XXX impact to pricing for exception.; XXX may review for exception. Please note maybe impact to pricing.; | 04/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XXX mos PITIA reserves; XXX DSCR; 48.66% LTV | 04/21/2026 | 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 48.66% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48.66% is less than Guideline LTV of 80%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Page XXX of the appraisal report shows economic life has been reflected as XXX years. Page XXX shows XXX years. | ; ; Could you please advise if the XXX that was uploaded on XX/XX/XXXX has been reviewed?; The XXX is from the appraisal management company, and they are pointing out that they do not agree with the suspense condition. Report is correct as currently written. Page XXX States "total" economic life is XXX years. Page XXX shows "total" as XXX and "XXX" as XXX.; ; Document Uploaded. ; Documentation received, XXX to review.; | 04/29/2026 | Property/Appraisal Meets Guidelines; XXX is from the AMC and explains the total vs XXX economic life defined in the appraisal. Finding is resolved. ; Received XXX documentation on XXX between parties that are not the appraiser. No new documentation provided. Appraiser to address Page XXX of the appraisal report which shows economic life has been reflected as XXX years vs page XXX shows XXX years.; ; XXX received, however was not from appraiser or appraisal company. Issue not addressed or commented on by appraiser.; ; Re-opened condition per XXX request. ; XXX received, however was not from appraiser or appraisal company. Issue not addressed or commented on by appraiser. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Property vested under XXX - XXX Series. Missing documentation showing borrower owns the LLC. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/29/2026 | Property Title Issue Resolved; Client provided Governing Documents and Related Forms for XXX reflecting Borrower as XXX, Certificate of Formation and Company Agreement. LM Updated. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX DSCR v13 guidelines, escrow account required. XXX payment does reflect. | ; ; Please waive- already priced- Comp factors XXX DSCR, XXX Score, XXX cash out as reserves | 04/14/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX DSCR, XXX Score, XXX cash out as reserves | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046958 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 addition of Final Inspection Fee. The appraisal was made subject to. Please provide detailed COC explaining why final inspection fee required or cure. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 05/15/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409042463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/12/2026 | Rescinded | XXX | Credit | Missing Lease Agreement | Missing lease agreement for subject property. Property is tenant occupied per the appraisal XXX DSCR guidelines require for lease agreement on refinance transactions. | ; Please rescind. Per appraisal subject is a short term rental, and thus will not have a current lease agreement.; | 04/16/2026 | Short term rental. Lease not required. | 04/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide confirmation of hazard insurance and HOA dues for XXX XXX. The insurance provided is an estimate and property is a XXX per sales contract. Also missing verification property is free and clear due to letter of explanation for refinance is to use proceeds for the purchase of the property. | ; ; Please review and rescind. The settlement Statement for XXX XXX shows that IS the property that was purchased with cash - therefore; free and clear. Additionally, a binder has been provided showing no loss payee.; ; Documentation received, XXX to review.; Document Uploaded. ; Document Uploaded. ; | 04/22/2026 | Settlement Statement and Insurance provided supporting verification for property. ; Provide documentaiton to support P & I payment for XXX XXX.; Client provided Final Settlement Statement for XXX XXX reflecting Taxes, Insurance and HOA amounts. Still in P&I Payment for new Refinance. | 04/22/2026 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance coverage of XXX is less than required coverage of loan amount XXX Missing insurers estimate of replacement cost. | ; ; | 04/22/2026 | Updated coverage amount to include the other structures that were included in the appraised value. Finding is resolved. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/22/2026 | 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%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification the following mortgage is current XXX #XXX mortgage Statement reflects last payment paid XX/XX/XXXX and loan closed XX/XX/XXXX. XXX Expanded v12 guidelines require housing history reflect XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | Housing History Meets Guideline Requirements; Client provided Updated Supplemental Report reflecting XXX account XXX Last payment XX/XX/XXXX next due XX/XX/XXXX. LM Updated. | 04/17/2026 | 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%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts XXX Fraud report discloses the following undisclosed properties (XXX XXX; XXX XXX; XXX XXX and XXX XXX) not listed on the Final 1003. Provide updated Final 1003 with all properties owned by borrower and verification of taxes, insurance and HOA dues if applicable. | ; Document Uploaded. Please see XXX - no uncleared findings, no addresses listed below on the REO. If this does not clear, please specify why and where info is being obtained from. ; | 04/17/2026 | All Fraud Report Alerts have been cleared or None Exist | 04/17/2026 | 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%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409042527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Lender did not provide ATR/QM Status Determination. | ; ; ; ; ; Documentation received, XXX to review.; Document Uploaded. Please see the XXX ATR/QM. Thank you.; ; ; | 04/22/2026 | compliance report provided; Documentation provided is insufficient. Please provide your compliance report such as XXX or CE. | 04/22/2026 | 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%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409044037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | HOA for the departure residence at XXX. Per XXX UW Stated property currently has HOA but no amount was mentioned. Please HOA Statement for the departure residence at XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; Document Uploaded. A special assessment letter was provided regarding the HOA dated XX/XX/XXXX.; | 04/20/2026 | Client provided account Statement reflecting XXX paid for XX/XX/XXXX and XX/XX/XXXX. This reflects XXX is XXX Elevator Special Assessment. Client provided a letter from The XXX Association Inc stating: As of XX/XX/XXXX the above mentioned parties have successfully completed nine equal payments of XXX each. Six monthly payments of XXX XXX outstanding. Payments made to date XXX of the XXX assessment with a XXX balance of $XXX. | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.95% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.95% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | 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. | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. ; Documentation received, XXX to review.; | 04/30/2026 | Required Affiliated Business Disclosure Documentation Provided.; Please provide an attestation that either the lender has no affiliates or no referral of business was made to the affiliates. The privacy policy can only be used in lieu of the affiliated business disclosure if the lender has no affiliates. In this case an attestation that no affiliate were used in this transaction will clear the exception.; The XXX privacy policy shows the lender has affiliate and therefore an Affiliated Business Disclosure is required or confirmation no affiliate were used in this transaction. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409045007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Missing Seller's copy of XXX Lender did not provide ATR/QM Status Determination. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/30/2026 | compliance report provided; Documentation provided is insufficient. Please provide your compliance report such as XXX or CE. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409045248 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Document Uploaded. ; ; Please double check the appraisal? This is a condo and I am looking at page one-Neighborhood and it is marked as "suburban" with over XXX% built up-; | 04/21/2026 | Waived per client request via XXX with loan exception XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Reserves of XXX months and XXX FICO. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a XXX lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($XXX,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a XXX lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded v12 allows non-QM due to rate spread. Condition is for information only. | ; ; ; | 04/21/2026 | Condition provided for information only. XXX Expanded v12 guidelines allow for Non-QM loans due to rate spread. | 04/21/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409043587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing complete XXX months of rental history for FTHB | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not XXX present.; Client provided XXX reflecting Rental information verified by XXX. Move in date XX/XX/XXXX and moved out XX/XX/XXXX. Also reflects XXX for previous rental address. LM Updated. | 04/21/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409045013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Only one month of bank Statements provided for asset verification of XXX account XXX | ; ; DD to waive for B Grade. Seller obtains only XXX month Statements. Reviewed on previous loans with XXX Team, and fine to proceed as long as minimum of XXX month provided to document assets used to qualify pending update to variance. Comp Factors: XXX FICO; XX/XX/XXXX mos PITIA reserves; Experienced XXX; XXX DSCR; | 04/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XXX FICO; XX/XX/XXXX mos PITIA reserves; Experienced XXX; XXX DSCR | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/12/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing signed W-XXX for XXX | ; Documentation received, XXX to review.; Document Uploaded. W9; | 04/20/2026 | Client provided Executed W-XXX for XXX. LM Updated. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing documentation to support net sale proceeds from real eState assets in the amount of XXX | ; Documentation received, XXX to review.; Document Uploaded. XXX XXX SETT STMT; | 04/20/2026 | Asset Record XXX Meets G/L Requirements Or XXX.; Client provided Settlement Statement for XXX XXX reflecting the borrower receiving $XXX. LM Updated. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046000 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Missing final HUD-XXX from sale of non-subject property | Provide final HUD for refinance of REO at XXX. Lender wksht reflects XXX from refinance for funds to close. Borrower LOX indicates the cash out for XXX refinance is used to purchase the subject property. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Client provided Closing Disclosure for XXX reflecting the Borrower receiving XXX at closing. LM Updated. | 04/21/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX expanded bank Statement program | Documentation received, XXX to review.; Document Uploaded. ; Please note XXX Expanded guidelines require. If unable to cure, may consider for exception with not obtaining. Please advise and please note there maybe impact to pricing.; Rebuttal received, XXX to review.; Borrower's business name is XXX, which clearly indicates a hair salon operation. AAA does not require a business narrative when the business name explicitly reflects the nature of the business activity. ; | 04/16/2026 | Client provided Business Narrative. LM Updated.; Client provided Business Narrative. LM Updated.; | 04/17/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409046161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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 on page XXX indicates that the borrower 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 consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Documentation received, XXX to review.; Document Uploaded. ; | 04/14/2026 | appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided. | 04/14/2026 | 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.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409042312 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program | ; Please waive for Grade B- comp factors- XXX LTV, XX/XX/XXXX DTI, Score XXX; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX LTV, XX/XX/XXXX DTI, Score XXX | 04/17/2026 | 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 53.78% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.78% is less than Guideline LTV of 80%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per Lender Approved exception for escrow holdback, missing revised Appraisal to reflect subject to with required repairs for Unit XXX: damaged window trim in shower, some damaged flooring in the XXX, missing ceiling tile in a bedroom, some cracked vinyl trim, and peeling porch pain on the exterior. Missing 1004D reflecting all repairs completed. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/24/2026 | Property/Appraisal Meets Guidelines; Client provided Updated Appraisal reflecting Subject to Repairs, 1004D and FNMA/Freddie Mac SSRs. LM updated.; Client provided 1004D for the subject property. However, Per Lender Approved exception for escrow holdback, missing revised Appraisal to reflect subject to with required repairs for Unit XXX: damaged window trim in shower, some damaged flooring in the XXX, missing ceiling tile in a bedroom, some cracked vinyl trim, and peeling porch pain on the exterior. | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Loan has escrow holdback. No proof it was released provided in file | Lender Approved an exception to pricing to close with an escrow holdback. Prior to purchase, evidence will be provided that the escrow holdback has been released and the appraisal corrected to subject to the repairs with a 1004D. No compensating factors listed. | Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2026 | Client provided 1004D reflecting All cosmetic items have been repaired. Pictures were sent by the Management company that completed the repairs. LM Updated.; | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Rescinded | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) |  | Comment received, XXX to review.; Total qualifying income is $XXX. Large deposit threshold is $XXX (XXX% x total qualifying income per FNMA). Please clarify which deposits need of further attention, as the only deposits noted are into XXX business #XXX for XXX on XX/XX/XXXX, combined deposits for XXX + XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, and combined XXX + XXX on XX/XX/XXXX, all occurring at peak season for borrower's line of work. Additionally, all large deposits are greater than XXX months being well beyond the XXX-day lookback period.; Per XXX Expanded Guidelines: Asset Requirements: Follow FNMA Seller Guide or DU Findings Beyond the minimum reserve requirements based on XXX's overlays and to fully document the borrowers' ability to meet their obligations, borrowers should disclose all liquid assets. • Eligible assets must be held in a US account. • Large deposits inconsistent with monthly income or deposits must be verified if using for down payment, reserves or closing costs. • Lender is responsible for verifying large deposits did not result in any new undisclosed debt. • Asset verification by a XXX approved asset validation provider is allowed. If unable to cure, may review for possible exception. Please note there maybe impact to pricing. - DD to reopen finding; If referencing large deposits to any of the XXX business accounts #XXX, #XXX, and #XXX, explanation and/or source into business assets are not required, and XXX personal asset #XXX does not contain any large deposits. ; | 04/15/2026 | The loan does not have any unsourced large deposits. Finding is rescinded. ; ; Reopened as requested | 04/21/2026 | D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 409043466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. No AVM or secondary review provided. | Documentation received, XXX to review.; Document Uploaded. Submitted supporting CDA for review. ; ; Reviewed documentation in loan package. Will require FNMA CU score for secondary validation for XXX Expanded product. If score over XX/XX/XXXX - CDA required from Approved vendor. FHLMC score only provided. - DD to reopen finding.; Secondary valuation was included in the initial shipping package and is located in your portal under page XXX.; | 04/17/2026 | Client provided XXX CDA. LM Updated.; Third party valuation product provided within tolerance.; Reopened as requested | 04/20/2026 | 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%<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 409043466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/08/2026 | Resolved | XXX | Compliance | 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. | Documentation received, XXX to review.; Document Uploaded. Submitted No Affiliates Letterhead. ; ; Provide letter on company letterhead for DD to review confirming no affiliates for finding to get resolved. - DD to reopen finding.; Per the SSPL under page XXX CEL does not have any affiliates, hence disclosure is not required.; | 04/16/2026 | Required Affiliated Business Disclosure Documentation Provided.; Provide letter on company letterhead for DD to review confirming no affiliates or no referral was made to affiliates to get resolved. | 04/17/2026 | 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%<br> D<br> A<br> B<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 409043466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Compliance report missing. Lender did not provide ATR/QM Status Determination. | Document Uploaded. Submitted Compliance Report for review.; Documentation received, XXX to review.; | 04/14/2026 | Documentation provided. Finding is resolved. | 04/16/2026 | 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%<br> D<br> A<br> B<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 409043466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Business Narrative | Document Uploaded. DD to review. XXX from loan package. ; Business Narrative was included in the initial shipping package and is located in your portal under page XXX.; | 04/14/2026 | Business narrative provided. | 04/15/2026 | 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%<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 409043541 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Page XXX of the appraisal report States value for the subject property is above the predominant value. Subject XXX was XXX and predominant value was XXX below predominant value. | Documentation received in XXX review.; Document Uploaded. Revised appraisal XXX. ; ; | 04/17/2026 | Property/Appraisal Meets Guidelines; Client provided updated Appraisal with the Page XXX comment revised to: The most weight was put on Comparable XXX because it was the most recent sale and the most geographically relevant. Comparables XXX and XXX were weighted next as they had similar basements. Comparable XXX is a listing only and therefore given no weight. It was used to provide evidence of current price levels. Although the appraiser's opinion of value for the subject property is below the predominant value for the neighborhood, it is not considered an under-improvement for the neighborhood as evidenced by the comparables used in this report, which indicate that XXX of similar size and value are typical for the area. LM Updated. | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 75% \| 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 40% is less than Guideline CLTV of 75%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409043845 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/17/2026 |  | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. Affiliated Business Disclosure XXX. ; ; | 04/20/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/20/2026 | 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.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409044222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Missing Lender Income Calculation Worksheet | Missing required lender income calculation worksheet for bank Statement program | Documentation received, XXX to review.; Document Uploaded. Income Calculation Worksheet XXX. ; ; | 04/17/2026 |  | 04/17/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409044222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement program | Documentation received, XXX to review.; Document Uploaded. Business Narrative form XXX. ; | 04/17/2026 |  | 04/17/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409045965 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX XXX. listed as pending sale, with no supporting documentation provided. | ; Documentation received in XXX review.; Document Uploaded. ; ; | 04/17/2026 |  | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.06% 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045965 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Asset General | Provide documentation to support the XXX Bridge Loan used for closing | ; ; Document Uploaded. ; | 04/17/2026 |  | 04/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.06% 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%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; ; Document Uploaded. DD to waive for B Grade. Exception XXX. Comp Factors: Credit score XXX DSCR ratio XXX Low LTV 46.51%, Reserves over XXX months (XXX mos PITIA reserves, enough to cover XXX months tax and insurance payments); XXX to review for exception | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose Credit score XXX DSCR ratio XXX Low LTV 46.51%, Reserves over XXX months (XXX mos PITIA reserves, enough to cover XXX months tax and insurance payments) | 04/17/2026 | 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 46.51% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.51% is less than Guideline LTV of 80%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. U/W notes: Per XXX/XXX Expanded DSCR guidelines, a signed Business Purpose Affidavit/Disclosure is required for all non-owner occupied investment property loans to confirm the loan is for business purposes and not subject to TILA/Regulation Z consumer protections. Document is not present in the loan file. Please provide a fully executed Business Purpose Affidavit/Disclosure signed by all borrowers to satisfy this material condition prior to purchase. | Documentation received, XXX to review.; Document Uploaded. Please see XXX business purpose affidavit to clear condition; | 04/15/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & Occupancy Affidavit. LM Updated | 04/16/2026 | 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 46.51% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.51% is less than Guideline LTV of 80%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Waived | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Co-borrower has only XXX qualifying tradeline. An XXX exception was approved with the following compensating factors: XXX FICO; No Mortgage Lates; XXX DSCR; 46.51% LTV; XXX Reserves post close or XXX mos PITIA. | The lender's minimum tradeline requirements have not been met per guidelines. Co-borrower has only XXX qualifying tradeline. An XXX exception was approved with the following compensating factors: XXX FICO; No Mortgage Lates; XXX DSCR; 46.51% LTV; XXX Reserves post close or XXX mos PITIA. | 04/13/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; No Mortgage Lates; XXX DSCR; 46.51% LTV; XXX Reserves post close or XXX mos PITIA. | 04/13/2026 | 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 46.51% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.51% is less than Guideline LTV of 80%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is missing in file. | Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/20/2026 | Third Party Fraud Report is provided; Client provided XXX XXX Fraud XXX. LM Updated. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/12/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX | Documentation received, XXX to review.; Document Uploaded. ; | 04/15/2026 |  | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | The Note is Missing | The Note is Missing. Documentation required to clear exception: Please provide the executed Note. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | The Note is Present.; Client provided the Executed Note. LM Updated. | 04/21/2026 | 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 57.88% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.88% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409045490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Cured | XXX | Compliance | Incorrect rescission model used - RTC form model H-XXX 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. | ; ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. XXX PCCD & RTC; | 04/21/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 04/21/2026 | 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 57.88% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.88% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409045490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/12/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Lender did not provide ATR/QM Status Determination. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Documentation provided. Finding is resolved. | 04/21/2026 | 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 57.88% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.88% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | D | B<br> D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409047550 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409045314 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Per XXX Expanded Guidelines v12, large deposits inconsistent with monthly income or deposits must be verified if using for down payment, reserves or closing costs, Lender is responsible for verifying large deposits did not result in any new undisclosed debt. The XXX checking #XXX reflected a large deposit on XX/XX/XXXX in the amount of XXX The loan file did contain documentation for a XXX large deposit on XX/XX/XXXX; however, the file was missing documentation for the XXX deposit. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/29/2026 | Client States: The 30k on XX/XX/XXXX represents a payment from my ex-wife as part of our settlement. I have XXX a copy of the deposit slip. LM Updated. | 04/29/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045314 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Borrower 1 photo identification is not contained in the loan file. Please provide photo ID or an executed Patriot Act Form. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/29/2026 | Photo Identification provided.; Client provided Executed XXX Patriot Act Information Form. LM Updated. | 04/29/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045314 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Waived | XXX | Credit | Application Profile Missing | Per XXX Expanded Guidelines v12, a Business Narrative for the bank Statement program is required. The borrower was qualified with income from two business, XXX and XXX. The loan file is missing the required Business Narrative for both businesses. | ; Please waive for Grade B- not required per XXX guides XX/XX/XXXX- Comp factors XXX years credit history, XXX years in job, XXX score; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years credit history, XXX years in job, XXX score | 04/17/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects the borrower owns his primary residence and XXX investment properties. The file is missing verification of the HOA dues against his primary and all PITIA docs for the XXX investment properties. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2026 | Client provided Mortgage Statement, XXX Payment Letter, Deed of Trust for Primary Residence, Closing Disclosure, Note, Proposed Monthly Payment, Appraisal for XXX XXX, XXX XXX and XXX XXX. LM Updated. | 04/16/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Missing Lease Agreement | The Final 1003 reflects the Borrower owns XXX investment properties with rent for each used to qualify. The lease agreements and verification of receipt for these properties are not in file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2026 | Client provided Appraisal for the XXX Investment properties reflecting New XXX and using Market Rent for each property. LM Updated. | 04/16/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. XXX Expanded guidelines require XXX months of bank Statements for all assets. Only one month of Statements was provided for XXX XXX XXX and XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Asset Qualification Meets Guideline Requirements. | 04/20/2026 | 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.<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Missing final HUD-XXX from sale of non-subject property | Provide the Final CDs for the following properties supporting monthly Monthly PITIA no greater than XXX per month: XXX XXX; XXX XXX; XXX XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 |  | 04/20/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409047557 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409047560 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045408 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. XXX Expanded guidelines require XXX months of bank Statements for all assets. Only one month of Statements was provided for XXX XXX XXX and XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Asset Qualification Meets Guideline Requirements. | 04/20/2026 | 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%<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045408 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/12/2026 | Resolved | XXX | Credit | Missing final HUD-XXX from sale of non-subject property | Provide the Final CDs for the following properties supporting monthly Monthly PITIA no greater than XXX per month: XXX XXX; XXX XXX; XXX XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 |  | 04/20/2026 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045404 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. XXX Expanded guidelines require XXX months of bank Statements for all assets. Only one month of Statements was provided for XXX XXX XXX and XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Asset Qualification Meets Guideline Requirements. | 04/20/2026 | 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<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045404 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing final HUD-XXX from sale of non-subject property | Missing Final CD's from purchase showing full PITIA for following properties: XXX XXX, XXX XXX, and XXX XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 |  | 04/20/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409047536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Waived | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender a XXX% expense ratio for Bank Statement program. Per XXX XXX Expanded program v12, expense ration can never be less than XXX% | ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: CPA expense factor provided showing less than XXX% requested; 52.863% LTV; XXX% DTI; XXX per month residual income; XXX FICO; XXX mos PITIA reserves; XXX to review exception for updated calculation using XXX% expense factor.; ; Document Uploaded. DD Update to XXX% Expense factor - Under review by XXX; Document Uploaded. XXX is the income calculation at XXX% ; Documentation and comment received, XXX to review.; Exception Reviewed and Escalated. Unable to provide exception with XXX% being the floor on bank Statement. Exception Updated to Decline in Correspondent portal. Please advise if loan to be withdrawn if unable to cure for return of collateral.; ; DD to review. An exception is pending on loan for this finding, not yet approved by XXX.; ; can you please grant an exception with no price hit XXX based on the CPA letter. ; XXX to review for exception. Please note there maybe impact to pricing if able to approve. - DD to reopen finding; Document Uploaded. Our program allows down to a XXX% expense ratio and this was underwritten with XXX% based on the CPA letter can you please grant an exception with no hit based on the CPA. Thank you ; Documentation and comment received, XXX to review.; | 04/29/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: CPA expense factor provided showing less than XXX% requested; 52.863% LTV; XXX% DTI; XXX per month residual income; XXX FICO; XXX mos PITIA reserves; Expense ratio updated to XXX% however per XXX XXX Expanded program v12, expense ration can never be less than XXX% Per prior comments, XXX declined exception. ; Income and Employment Do Not Meet Guidelines; CPA letter provided, XXX to review for exception of expense ratio of XXX%. ; Income and Employment Meet Guidelines; ; | 04/29/2026 | 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 52.86% is less than Guideline LTV of 75% \| 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 52.86% is less than Guideline CLTV of 75%<br> D<br> B<br> C<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded bank Statement program v12 | Documentation received, XXX to review.; Document Uploaded. ; ; DD to reopen - Condition Updated.; was the condition reviewed that was uploaded XX/XX/XXXX I do not see any updates please ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | Received e-signed Business Narrative. Exception Resolved. ; Provide an updated Business Narrative Template that includes borrower's signature.; Provide an updated document that includes the borrower(s)' signature(s). | 04/23/2026 | 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 52.86% is less than Guideline LTV of 75% \| 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 52.86% is less than Guideline CLTV of 75%<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047536 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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)). ocumentation 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2026 | Evidence of appraisal delivery provided. | 04/16/2026 | 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 52.86% is less than Guideline LTV of 75% \| 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 52.86% is less than Guideline CLTV of 75%<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Rescinded | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Removed XXX, Acct# XXX Borrower is an Authorized User on account which is not allowed per guidelines. Borrower has less than XXX tradelines reporting for XXX months with activity in past XXX months. Tradeline XXX - XXX Bank XXX: Reporting since XX/XX/XXXX with DLA of XX/XX/XXXX Tradeline XXX - XXX XXX: Reporting since XX/XX/XXXX with DLA of XX/XX/XXXX | ; ; XXX to review for exception. Pending Review - DD to reopen finding.; Unable to Resolve-can we kindly get an exception on this condition. ; XXX may review for exception - Please note may have impact to pricing.; | 04/28/2026 | Open Accounts: XXX) XXX XXX #XXX Open XX/XX/XXXX with DLA XX/XX/XXXX, XXX) XXX #XXX Open XX/XX/XXXX with DLA XX/XX/XXXX, and XXX) XXX #XXX Open XX/XX/XXXX with DLA XX/XX/XXXX. Finding is rescinded. ; Tradelines meet Guideline Requirements; Reopened as requested | 04/28/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409047547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Operating Agreement missing from the loan file. | ; Documentation and comment received, XXX to review.; Document Uploaded. its a single member LLC. An operating Agreement is not required for an LLC with one sole member i uploaded the certificate of formation. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | Received the cert of formation for single member LLC. Operating agreement not required for single member LLC in the State of XXX. Exception Resolved. ; Received Cert of Formation, EIN and evidence of good standing. Provide Operating Agreement. | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409047547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Only one month of Statements provided for XXX bank account XXX | Documentation received, XXX to review.; Document Uploaded. XXX acc# XXX which was just opened with proceeds ; | 04/14/2026 | Asset Qualification Meets Guideline Requirements.; Client provided XXX Bank letter verifying account balance and opening date as of XX/XX/XXXX. LM Updated. | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045456 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409047562 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Rescinded | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Per declarations page, there is no rent loss coverage. | XXX may review for exception if unable to cure.; | 04/14/2026 | Fair rental value coverage of XXX is included in the policy. Finding is rescinded. ; Loss Rent Coverage is Sufficient | 04/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046392 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | Client provided Executed W-XXX for XXX XXX. LM Updated. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | The 1-4 Family Rider is Present; Client provided Executed Mortgage and 1-4 Family Rider. LM Updated. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | The Deed of Trust is Present; Client provided Executed Mortgage and 1-4 Family Rider. LM Updated. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Waived | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage. Required rent loss insurance not found in the file. | ; Waive for B Grade. Meets seller guidelines being accepted by XXX Comp factors: FICO XXX / DSCR >XXX / XXX history | 04/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / DSCR >XXX / XXX history | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. On appraisal, are there any adverse site conditions or external factors, easements, encroachments, environmental conditions? Yes, subject is located nearby a busy highway. Although subject is located nearby to a busy highway, this was found to have no effect on marketability. | ; Please rescind or waive for B grade - Appraiser does give a location adjustment - Comp Factors: FICO XXX / DSCR XXX / Experienced XXX ; | 04/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / DSCR XXX / Experienced XXX | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Waived | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Guidelines require XXX months rent loss insurance. HOI does not have rent loss coverage. | ; Waive for B Grade. Meets seller guidelines being accepted by XXX Comp Factors: FICO XXX / DSCR XXX / Experienced XXX | 04/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / DSCR XXX / Experienced XXX | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044420 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. Missing required executed Business Purpose Affidavit as required per XXX XXX DSCR guidelines. Certificate of Occupancy Investment Property is not a BPA. Please provide fully executed Business Purpose Affidavit. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Executed Borrower Certification of Business Purpose. LM Updated. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044420 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% The subject property is XXX units, and unit XXX is vacant. Per guidelines, refinanced transactions on unleased properties of XX/XX/XXXX units, max LTV reduced by XXX% | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Audited LTV of 75% is less than or equal to Guideline LTV of 75%; Client States: The Unleased property LTV reduction is only if the whole property is unleased. This is a XXX unit property and per guidelines we are allowed to have one unit vacant. XXX - State: For XXX-XXX-unit properties, there shall be no more than one vacant unit at origination and any vacant unit must provide evidence of a recent lease within the last two XXX months. LM Updated. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046382 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing Lease Agreement | Missing lease agreement for subject property, which according to the appraisal, is tenant occupied. | Comment received, XXX to review.; per the operating income Statement of the appraisal, the unit is rented month to month (no lease) ; | 04/15/2026 | Client States: per the operating income Statement of the appraisal, the unit is rented month to month (no lease). | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046382 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing the W-XXX form for XXX Business Entity. | Documentation received, XXX to review.; Document Uploaded. w9; | 04/15/2026 | Client provided Executed W-XXX for XXX. LM Updated. | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Waived | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Exception request for credit tradelines in file. XXX Exp program - XXX month bank Statement./income. Borrower has two active tradelines but one is less than XXX months. | ; ; Please waive - XXX granted exception. Comp factors: FICO XXX / Limited user of credit / XXX history / XXX mo HELOC history closed XX/XX/XXXX / Lowering XXX. / Excellent reserves after closing / 57% LTV; Documentation and comment received, XXX to review.; Document Uploaded. See exception XXX. As Stated exception was granted/approved. We are not certain what you are needing to clear this please advise. Thank you!; | 04/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose FICO XXX / Limited user of credit / XXX history / XXX mo HELOC history closed XX/XX/XXXX / Lowering XXX. / Excellent reserves after closing / 57% LTV; Per XXX - Seller to accept Exception Pricing. | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.91% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.91% is less than Guideline CLTV of 75% \| 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.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Business Narrative is missing from the file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 |  | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.91% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.91% is less than Guideline CLTV of 75% \| 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Appraisal requirements not met, missing appraisal delivery receipt. Unable to downgrade. | ; ; ; Sent to escalation- the finding is unclear. IF this is an HPML, then it is ineligible/ ; ; | 04/27/2026 | Appraisal delivery provided; HPML compliant; HPML is not considered compliant due to a missing proof of appraisal delivery to the borrower at least XXX day prior to consummation | 04/27/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409041579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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 Credit Report on the CD dated XX/XX/XXXX. | ; Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; | 04/27/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Please provide of refund check to cure exception. | 04/27/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409041579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; ; Document Uploaded. ; ; ; | 04/17/2026 | Evidence of appraisal delivery provided. | 04/17/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409041579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/13/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. 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. | ; ; ; ; | 04/17/2026 | Evidence of Appraisal Delivery to the Borrower Provided. | 04/17/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409041714 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verbal Verification of Employment (VVOE) was not performed within ten XXX days prior to the Note date. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/29/2026 | Third party verification provided. | 04/29/2026 | 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 52.35% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.35% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409041714 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Compliance | 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. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/29/2026 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided. | 04/29/2026 | 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 52.35% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.35% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409041714 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/29/2026 | Evidence of appraisal delivery provided.; 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)). | 04/29/2026 | 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 52.35% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.35% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409044159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Per XXX Expanded Underwriting Guidelines, v12, large deposits inconsistent with monthly income or deposits must be verified if using for down payment, reserves or closing costs. XXX checking #XXX was provided which reflects large deposits from #XXX in the amount of XXX on XX/XX/XXXX/ and XXX on XX/XX/XXXX from #XXX. These bank Statements were not provided to source the funds. The initial underwriter did reduce the assets by XXX from deposit on XX/XX/XXXX. | Escalated to CA.; ; | 04/17/2026 | All unsourced large deposits were backed out of the asset figure, and funds are sufficient. Finding is resolved. | 04/20/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Waived | XXX | Credit | Application Profile Missing | Per XXX Expanded Underwriting Guidelines v12, a Business Narrative for the bank Statement program is required. The loan file is missing the Business Narrative for both borrower for XXX. | ; Please waive for Grade B (not required per XXX) - Comp factors XXX score, XXX DTI, purchase primary residence, 80% LTV; | 04/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX score, XXX DTI, purchase primary residence, 80% LTV. | 04/17/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409044159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | purchase Contract is Incomplete | Loan Purpose is purchase but purchase Contract Doc is Incomplete The purchase Agreement reflects a loan amount of $XXX; however, the Note evidences a loan amount of XXX Please provide a fully executed addendum to the purchase Agreement reflecting the updated loan amount to ensure consistency across all loan documentation | ; Please waive- contract is not required to reflect the loan amount. ; ; | 04/17/2026 |  | 04/17/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Waived | XXX | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. Missing personal guaranty for XXX. | ; ; Please waive for Grade B- not required per XXX XXX- Comp factors 70% LTV, XXX DSCR, XXX score; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 70% LTV, XXX DSCR, XXX score | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Missing the XXX Consent | ; ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/23/2026 | Received recorded Sole and Separate Property Agreement and conveyance. Exception Resolved. ; ; Rebuttal received stating: Subject property is in a community property State, therefore, the XXX consent form would not be required. XXX consent required as property is located in a community property State, thus making the spouse liable. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing the W-XXX form for Business Entity. | ; Document Uploaded. ; ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/23/2026 | Received Executed W-XXX in LLC name with EIN number. Exception Resolved. ; ; Rebuttal received stating: The W9 form is not required for the business entity, this loan was underwritten to the XXX XXX guidelines. No variance for XXX has been received, and XXX XXX DSCR guidelines require a signed W9 for the LLC including the EIN number. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Final 1003 indicates the borrower has no housing expense. The XXX Expanded GLs V12 are silent on a borrower living rent free, defaulting to FNMA Seller's Guide which requires a "rent free" letter and evidence the borrower does not have ownership interest in previous residence. None of this required documentation is in file. | ; Documentation received, XXX to review.; Document Uploaded. Rent free no ownership letter; | 04/21/2026 | Signed Rent Free letter received. Condition cleared. | 04/21/2026 | 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<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409047009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX XXX Class XXXl" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consum(Per the XXX in file, a CD was issued on XX/XX/XXXX) | Documentation received, XXX to review.; Document Uploaded. XXX Initial CD & proof of receipt & acceptance; | 04/16/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/17/2026 | 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<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409045484 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Rescinded | XXX | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Missing the HOA Questionnaire. |  | 04/14/2026 | Not required for XXX condos. Finding is rescinded. ; HOA Questionnaire Provided. | 04/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Compliance | 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. | ; Please rescind. This is addressed in p XXX of the original upload | 04/17/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.08% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.08% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409043901 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXX | Compliance | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/16/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/16/2026 | B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409042775 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR v13 Guidelines State: For refinance transactions, XXX must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The subject is a vacant XXX property that has not been leased prior to close. It has a lease that begins XX/XX/XXXX. | ; Comment received, XXX to review.; This loan closed on XX/XX/XXXX, XXX days after the lease began.; The lease start date was XX/XX/XXXX The closing date was XX/XX/XXXX. The appraisal was completed XX/XX/XXXX prior to the lease being executed. ; | 04/17/2026 |  | 04/17/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409042775 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Unable to locate supplement. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/17/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Client provided Short Form Loan Policy reflecting Amount of Insurance XXX LM Updated. | 04/17/2026 | C<br> A<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409045440 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing W-XXX for XXX. | Documentation received in XXX review.; Document Uploaded. hello, please waive. we provided the ein number which should suffice. i've reuploaded. thank you.; | 04/17/2026 | Client provided IRS EIN assignment of XXX-XXX. LM Updated. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX DSCR guidelines, escrow account required. Per XXX Payment Letter, no escrow account established at closing. | ; ; ; Document Uploaded. ; ; ; Escrow waiver approved. ; | 04/24/2026 | Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV 60%, DSCR XXX and appraisal value of $XXX.; XXX approved exception received, however compensating factors were not listed. Compensating factors must be provided by XXX to waive finding; XXX approved exception received, however compensating factors were not listed. Compensating factors must be provided by XXX to waive finding; Please provide written approved exception including comp factors. Thank you.; XXX to provide XXX compensating factors. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409041823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Waived | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Rest loss coverage on the HOI dec page is $XXX. Guidelines require minimum of XXX months for the subject property which is XXX The approval Certificate reflects a pending exception for lack of XXX months rental loss. An XXX indicates the exception was approved with XXX hit to price. Provide a copy of the approved exception for < XXX months rent losses. | ; Exception approved for rent loss coverage. ; | 04/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following: Pricing hit for not having rent loss coverage. | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409041823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Provide a Cost Estimator or HOI declarations page that reflects dwelling coverage is insured at XXX% replacement cost. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043716 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045578 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR to confirmed XXX | Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client provided Lease Agreement, LOE stating: the borrower transferred their portion through Venmo, XXX months transaction with Venmo. LM Updated. | 04/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045578 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Waived | XXX | Credit | Application Profile Missing | Business Narrative missing. | ; ; Please waive for Grade B (XXX XXX guides)- Comp factors- XXX% DTI, XXX Fico, 70% LTV; | 04/22/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI, XXX Fico, 70% LTV | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2026 | Resolved | XXX | Compliance | XXX Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. PCCD provided with updated updated per diem; exception resolved PCCD provided with updated updated per diem; exception resolved | This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. PCCD provided with updated updated per diem; exception resolved PCCD provided with updated updated per diem; exception resolved | 05/21/2026 |  | 05/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.81% is less than Guideline LTV of 90% \| 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 76.81% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409043573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel. | Documentation and comment received, XXX to review.; Document Uploaded. See XXX - closing date and disb date to XX/XX/XXXX and XX/XX/XXXX T/Y; | 04/20/2026 | PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.81% is less than Guideline LTV of 90% \| 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 76.81% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409043573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing Trust Agreement | Missing Trust Agreement Missing copy of Trust agreement. | Documentation received, XXX to review.; Document Uploaded. Rcvd from title, please see XXX ; | 04/20/2026 | Documentation is sufficient. Trust cert provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.81% is less than Guideline LTV of 90% \| 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 76.81% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 409043865 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Waived | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX DSCR v13 guidelines require two months of bank Statements to verify assets. There is one Statement for XXX acct #XXX dated XX/XX/XXXX - XX/XX/XXXX | ; DD to waive for B Grade. Fine to proceed as long as minimum of XXX month bank Statement documented for assets used to qualify. Comp Factors: XXX mos PITIA reserves; XXX FICO; No Mortgage Lates in most recent XXX mos; XXX DSCR; Experienced XXX; XXX to review for exception.; Documentation received, XXX to review.; Document Uploaded. XXX g/l only requires one year of assets ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA reserves; XXX FICO; No Mortgage Lates in most recent XXX mos; XXX DSCR; Experienced XXX.; Client provided XXX Guidelines. However, XXX XXX DSCR Program Guide v13 Assets - Checking/Savings per montXXXey Market/CDs XXX% - XXX months most recent Statements and Retirement Accounts (401k, IRAs ect) XXX% - XXX Months most recent Statements. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043865 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Waived | XXX | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX DSCR v13 guidelines require two months of bank Statements to verify assets. There is one Statement + a transaction history for XXX acct #XXX dated XX/XX/XXXX - XX/XX/XXXX | ; DD to waive for B Grade. Fine to proceed as long as minimum of XXX month bank Statement documented for assets used to qualify. Comp Factors: XXX mos PITIA reserves; XXX FICO; No Mortgage Lates in most recent XXX mos; XXX DSCR; Experienced XXX; XXX to review for exception.; Documentation received, XXX to review.; Document Uploaded. XXX g/l only requires ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA reserves; XXX FICO; No Mortgage Lates in most recent XXX mos; XXX DSCR; Experienced XXX.; Client provided XXX Guidelines. However, XXX XXX DSCR Program Guide v13 Assets - Checking/Savings per montXXXey Market/CDs XXX% - XXX months most recent Statements and Retirement Accounts (401k, IRAs ect) XXX% - XXX Months most recent Statements. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing W-XXX for LLC | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/28/2026 | W9 provided. | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing W-XXX for LLC | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/21/2026 | W9 provided | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Haz and HOA for XXX D-XXX. | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/21/2026 | HOA and HOI documentation provided. | 04/22/2026 | 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 54.76% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.76% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Application Profile Missing | Business Narrative missing. | ; Please waive for Grade B- XXX guides do not require- LTV XXX DTI XXX% Score XXX; | 04/20/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX DTI XXX% Score XXX | 04/20/2026 | 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 54.76% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.76% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | purchase Contract is Missing | Loan Purpose is purchase but purchase Contract Doc is Missing |  |  | purchase Contract Doc is not Missing, or is XXX. | 04/15/2026 | 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 54.76% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.76% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | purchase Contract is Incomplete | Loan Purpose is purchase but purchase Contract Doc is Incomplete The purchase agreement reflects a loan amount of $XXX; however, the Note evidences a loan amount of XXX Please provide a fully executed addendum to the purchase Agreement reflecting the updated loan amount to ensure consistency across all loan documentation. | ; Documentation and comment received, XXX to review.; Document Uploaded. PP and loan amount equals an 80% LTV; | 05/28/2026 | Documentation is sufficient. purchase Contract provided. Exception resolved.; purchase Contract Doc is complete. | 05/28/2026 | 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<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 409045544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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 n 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. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The violation may be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Then further testing can clear this exception. | Documentation and comment received, XXX to review.; Document Uploaded. XX/XX/XXXX the unlocked LE was sent under the XXX Freddie Conforming XXX Yr Fixed Plus LLPA Waiver – FTHB with a loan amount of XXX and an XXX of XXX% with discount points in the amount of $XXX. On XX/XX/XXXX the loan was priced under the XXX XXX J \*BestEfforts (Alt-A) XXX Year Fixed Full Doc Asset program. The revised LE was sent with a higher loan amount XXX and interest increased to XXX% decreasing the discount points to $XXX. On XX/XX/XXXX, the XXX decreased to XXX% at a cost to the borrower per COC. Please also note that XXX should be in possession of the rate lock form.; ; | 04/23/2026 | Initial and revised LE provided; exception resolved; Initial and revised LE provided; exception resolved | 04/24/2026 | 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<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 409045544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 n 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 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The violation may be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Then further testing can clear this exception. | Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | Initial and revised LE provided; exception resolved; Initial and revised LE provided; exception resolved | 04/24/2026 | 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<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 409045544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the XXXl the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. | Documentation and comment received, XXX to review.; Document Uploaded. provided the initial LE where the recording fee were disclosed as $XXX; ; | 04/23/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 04/24/2026 | 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<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 409045544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | Evidence of appraisal delivery provided. | 04/24/2026 | 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<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 409045544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Documentation and comment received, XXX to review.; Document Uploaded. The intent to proceed is dated XX/XX/XXXX. The initial LE is due by XX/XX/XXXX, we are within compliance; | 04/23/2026 | Evidence of eConsent is provided. | 04/24/2026 | 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<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 409046083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046974 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for all credit inquiries in the last XXX days. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX to clear condition; | 04/22/2026 | Client provided LOE for XXX day inquiries. LM Updated. | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.23% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.23% is less than Guideline LTV of 80% \| 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Rescinded | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. | ; ; | 04/29/2026 | Duplicate finding. | 04/29/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller credit exceeds XXX% maximum on Investment transaction. Seller Credit XXX and max seller credit allowed is XXX Loan exceeds allowed seller credit by XXX | ; ; Waive for B Grade. Meets seller guidelines being accepted by XXX; Comp factors: FICO XXX DTI below max; Stable job | 04/22/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DTI below max; Stable job | 04/22/2026 | 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.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Loan does not conform to program guidelines | Loan exceeds more than XXX NSF occurrences within the past XXX months. Per XXX XXX Expanded guidelines bank Statement income can have no more than XXX NSF occurrences in the past XXX months and no occurrences in the most recent XXX months. | ; Please waive for B grade - XXX has granted exception - COMP FACTORS: • FICO XXX • DTI less than max XXX% • Excellent residual income ($53k) • Excellent reserves after closing (>XXX mo) ; Document Uploaded. ; Document Uploaded. ; DD to reopen condition. NDM's guidelines not yet met.; PLEASE REMEMBER THAT XXX BUYS TO XXX"S GUIDELINES: NSFs Three instances with one or more in the most recent two months OR none in the most recent two months with five instances in XXX months. PLEASE CLEAR; ; Document Uploaded. XXX sent to DD with Seller guidelines to update findings. | 04/22/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX • DTI less than max XXX% • Excellent residual income ($XXX) • Excellent reserves after closing (>XXX mo); ; Condition re-opened, NSF count of XXX within the last XXX months exceeds XXX guideline allowance of XXX within the most recent XXX months. A lender/XXX exception is required.; XXX to follow Seller guidelines in this instance. NSF count of XXX within the last XXX months exceeds XXX guideline allowance of XXX within the most recent XXX months. A lender/XXX exception is required. ; | 04/22/2026 | 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.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Application Profile Missing | Business Narrative missing from file, per XXX requirement. | ; Waive for B Grade. Meets seller guidelines being accepted by XXX - Comp factors: FICO XXX DTI below max; Stable job | 04/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DTI below max; Stable job | 04/20/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042722 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA Emergency Declaration declared XX/XX/XXXX (XXX Severe Winter Storm EM-XXX-IN) showing public assistance for the subject property's county, no comments from appraiser regarding this. | ; Documentation and comment received, XXX to review.; Document Uploaded. Please refer to the Addendum (pg XXX of the Appraisal Report) for required verbiage.; ; Comment received, in XXX review.; The fact that the Appraisal report is effective after the incident end period and does not reflect/mention any issues is not sufficient? ; | 04/23/2026 | FEMA Post Disaster Inspection report was provided.; Client provided Updated Appraisal report reflecting Appraiser's comments: As of the "as is" date of the appraisal there was no severe winter storm (FEMA Disaster EM-XXX-IN) damage observed at the subject property or in the immediate neighborhood/area. LM Updated.; XXX FEMA Disaster Declaration section States: Appraisals Completed After the State of Emergency or Disaster - Appraiser must comment on the adverse event and certify that there has been no change in the valuation. Any existing damage notated from the original report must be repaired and re-inspected prior to purchase. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043738 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043839 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Cured | XXX | Compliance | 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 Discount Point increase on the CD dated XX/XX/XXXX with no 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 n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | ; Document Uploaded. ; Documentation received in XXX review.; ; Document Uploaded. ; Documentation received, XXX to review.; | 04/28/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Documents provided are missing a copy of the check and the PCCD; will review upon receipt of those items | 04/28/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043839 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. The Final 1003 reflects total assets of XXX and XXX for earnest money. These assets are not enough to cover funds for closing, earnest money and reserves; however, the loan file contained an updated XXX #XXX Statement with assets of XXX dated XX/XX/XXXX. The loan application reflected assets of XXX which is the balance from the XX/XX/XXXX Statement. Provide Final 1003 with enough assets. Other conditions may apply. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/27/2026 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 04/27/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043839 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/20/2026 | Evidence of appraisal delivery provided. | 04/22/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043839 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Per XXX Expanded Underwriting Guidelines v12, referred to FNMA seller guide for number of months of Statements. Per FNMA seller guide, XXX months is required for a purchase. The loan file contained XXX #XXX Statement XX/XX/XXXX to XX/XX/XXXX and one page, dated XX/XX/XXXX reflecting current balance of XXX with no activity. The loan file is missing the 2nd full months Statement for XXX #XXX. | Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Documentation is sufficient. Asset Statement provided. Exception resolved.; Asset Record XXX Meets G/L Requirements | 04/21/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043839 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | purchase Contract is Incomplete | Loan Purpose is purchase but purchase Contract Doc is Incomplete The purchase Agreement reflects a loan amount of $XXX; however, the Note evidences a loan amount of XXX Please provide a fully executed addendum to the purchase Agreement reflecting the updated loan amount to ensure consistency across all loan documentation. | Please waive- loan amount does not need to be updated on purchase contract when borrower accepts lower loan. ; | 04/17/2026 | Client States: loan amount does not need to be updated on purchase contract when borrower accepts lower loan. | 04/20/2026 | 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 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| 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.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043876 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Missing expiration date of photo id on XXX Patriot Act Information Form. No copy of actual id was provided. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | Documentation is sufficient. Patriot Act provided. Exception resolved.; Photo Identification provided. | 04/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.38% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.38% is less than Guideline LTV of 80%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043876 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Some property issues were addressed with the 1004D completion report however some other property issues were not addressed: Laundry room photo shows what appears to be a plywood wall and possible deferred XXX on the door & wall next to the door. Side view photos on page XXX show deferred XXX (window appears crooked & needs painted, this is a different window than the one that was painted & cleared with the 1004D). | ; ; Document Uploaded. ; Documentation received, XXX to review.; | 04/27/2026 | Documentation is sufficient. Completion Report provided. Exception resolved.; The issue with the property has been resolved. | 04/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.38% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.38% is less than Guideline LTV of 80%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409043876 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. Business Purpose & Occupancy Affidavit is missing (Occupancy Affidavit on page XXX but missing business purpose). | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided LOE stating: I do not intend to ever occupy this property for the life of the loan, and the use of all the funds for this loan is for business purposes. LM Updated.; Looking for the Business Purpose and Occupancy Affidavit. Exception XXXs. | 04/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.38% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.38% is less than Guideline LTV of 80%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 409045372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing required XXX months of rental loss coverage | Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Documentation is sufficient. Rent Loss coverage provided. Exception resolved.; Rent Loss Coverage Present | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.07% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.07% is less than Guideline CLTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | The transaction does not contain an escrow account for taxes and insurance which is required for the XXX XXX Expanded DSCR program | ; Please waive for Grade B_ already priced- XXX LTV, XXX DSCR, XXX Score; ; | 04/20/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX LTV, XXX DSCR, XXX Score. | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.07% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.07% is less than Guideline CLTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Final 1003 shows XXX REO; one has a mortgage with subject lender. The Seller's Fraud Report reflects a new mortgage opened on XXX against that property. XXX DSCR GLs require a mortgage Statement or, in this case, the settlement Statement "only to the extent necessary to verify or reconcile the property's mortgage payment history". File is MISSING MORTGAGE Statement or settlement Statement for that mortgage. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/29/2026 | Lender provided the signed settlement Statement for XXX W Azalea Ln. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject loan has been approved under the DSCR doc type. The form 1007 in file reflects market rents of $XXX. Additionally, a current lease has been provided for XXX per month dated XXX. The DSCR calculation has correctly been based on the lower market rents. However, the form 1007, dated XXX, also reflects the subject current rents are below market at XXX per month due to long term tenant. There is no explanation for the discrepancy between the lease and the current rents reflected on the appraisal. | ; Documentation received, XXX to review.; Document Uploaded. XX/XX/XXXX=XXX; In light of the currently provided lease the XXX form is being increased to XXX per month however no recent rentals of similar units in excess of that amount were discovered as of the effective date of the report ; ; | 04/29/2026 | Property/Appraisal Meets Guidelines; Updated appraisal received addressing rent discrepancies. Market rent of original XXX will be used for DSCR as a conservative approach. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. The Personal Guaranty in file is not signed. | ; ; Please waive for Grade B- not required for XXX- 69.02% LTV, Fico XXX DSCR XXX; | 04/29/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 69.02% LTV, Fico XXX DSCR XXX. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Verified assets reflected on Final 1003 are not being used for reserves; however, they are verified in file and considered part of the borrower's financial profile. The assets are held jointly with a third party with no XXX% access letter provided. | ; ; Please waive for Grade B- not required for XXX- 69.02% LTV, Fico XXX DSCR XXX; | 04/29/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 69.02% LTV, Fico XXX DSCR XXX. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines The file contains sufficient documentation to confirm Ownership History to qualify as an Experienced XXX. However. XXX DSCR GLs V13 also require Income-Producing Property Evidence. This file does not contain confirmed income documentation. The file contains a new lease for the subject which differs from the market analysis in the appraisal and there is no proof of receipt of funds or security deposit for the subject property or any other property. The loan file closing concurrently (#XXX) does contain sufficient income history with lease and receipts. Lender to provide this income documentation for subject file. | ; ; Please waive for Grade B- not required for XXX- 69.02% LTV, Fico XXX DSCR XXX; | 04/29/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 69.02% LTV, Fico XXX DSCR XXX. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | XXX DSCR GLs V13 dated XXX require escrows for taxes and insurance. The Settlement Statement provided does not reflect any escrow accounts were established. | ; Please waive for Grade B- not required for XXX- 69.02% LTV, Fico XXX DSCR XXX; | 04/20/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 69.02% LTV, Fico XXX DSCR XXX. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Missing required QM designation/Compliance report Lender did not provide ATR/QM Status Determination. | Documentation and comment received, XXX to review.; Document Uploaded. Please find XXX loan detail report/Compliance report which is in the legal pkg as well (pages XXX-XXX). ; | 04/16/2026 | ATR/QM documentation provided. Finding is resolved. | 04/17/2026 | 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 63.72% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.72% is less than Guideline LTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409047505 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Asset 7 Does Not Meet Guideline Requirements | Asset 7 Does Not Meet Guideline Requirements. XXX Expanded v12 guidelines require two months of bank Statements to verify assets. There is one bank Statement for XXX acct #XXX dated XX/XX/XXXX - XX/XX/XXXX | ; DD to waive for B grade. Fine to proceed as long as a minimum of XXX month Statements provided to document assets used to qualify. Comp Factors: XXX FICO; XX/XX/XXXX mos PITIA; XXX% DTI; No Mortgage Lates in XXX mos; XXX per montXXXth Residual Income; Requesting an exception on one bank Statement please. ; ; ; | 04/20/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XX/XX/XXXX mos PITIA; XXX% DTI; No Mortgage Lates in XXX mos; XXX per montXXXth Residual Income. | 04/20/2026 | 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.<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409049091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Rescinded | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements. Transaction is a no cash out per the XXX but borrower receives XXX back at closing per the final CD. Receiving more than XXX at closing is considered a cash out transaction. | ; | 04/17/2026 | Loan is a limited cash-out per FNMA guidance. Finding is rescinded. | 04/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409047511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409047605 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing. | ; Document Uploaded. As per Chris we only missing the LO page, please see XXX; ; This is a DSCR loan and the initial 1003 is not required, as we have the Final 1003. Please review and waive the condition; | 04/24/2026 | Client provided Loan Originator Information page of the Final 1003. LM Updated.; Documentation is sufficient. 1003 signature page provided. Exception resolved.; The Initial 1003 is Present; Client provided Loan Originator Information page of the Final 1003. LM Updated.; ; Re-opened finding per XXX request. ; The initial 1003 is not contained in the loan file, and this document typically includes the Loan Officer's signature. The Loan Officer did not sign the Final 1003. Please provide an updated Final 1003 that includes the Loan Officer's signature. | 04/30/2026 | 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 58.77% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.77% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047605 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. XXX XXX Expanded DSCR program requires two full months of bank Statements for asset/reserve verification. File contains one month of Statements for XXX acct# XXX acct#XXX, XXX acct# XXX acct #XXX and XXX XXX acct #XXX and XXX | ; ; DD to waive for B Grade. Fine to proceed as long as minimum XXX month Statement documented for assets used to qualify. Comp Factors: XX/XX/XXXX mos PITIA reserves (will cover XXX months tax and insurance payments); XXX FICO; 58.77% LTV; XX/XX/XXXX DSCR; | 04/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX/XX/XXXX mos PITIA reserves (will cover XXX months tax and insurance payments); XXX FICO; 58.77% LTV; XX/XX/XXXX DSCR | 04/27/2026 | 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 58.77% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.77% is less than Guideline LTV of 75%<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047605 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Required Escrow account for XXX XXX Expanded DSCR program was not established | ; DD to waive for B Grade. Exception approved for escrow waiver. Comp Factors: XX/XX/XXXX mos PITIA reserves (will cover XXX months tax and insurance payments); XXX FICO; 58.77% LTV; XX/XX/XXXX DSCR; XXX to review for exception; | 04/22/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX/XX/XXXX mos PITIA reserves (will cover XXX months tax and insurance payments); XXX FICO; 58.77% LTV; XX/XX/XXXX DSCR | 04/22/2026 | 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 58.77% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.77% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Transaction closed by using the XXX-month P&L doc type. CPA letter provided only confirms they have prepared the borrower's P&L income. XXX Expanded v12 guidelines require third party verification of two-year work history of self-employment. Confirmation the borrowers most recent tax returns have been filed and must provide current/active license or certification - no exceptions. | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/22/2026 | Documentation provided is sufficient. Exception resolved.; Borrower 1 CPA Letter Provided | 04/23/2026 | 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%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409046149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Compliance | 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. | Documentation received, XXX to review.; Document Uploaded. ; ; | 04/22/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/22/2026 | 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%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409045569 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Exception approved- please waive finding. Suburban location, DSCR of XXX FICO XXX 80% LTV. Experienced XXX, borrowers current home on XXX acre in XXX- primary residence is much larger and nice home build in XXX Excellent credit; ; ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR of XXX FICO XXX 80% LTV. Experienced XXX, borrowers current home on XXX acre in XXX- primary residence is much larger and nice home build in XXX Excellent credit | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045569 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; Exception approved- please waive finding- Suburban location, DSCR of XXX FICO XXX 80% LTV. Experienced XXX, borrowers current home on XXX acre in XXX- primary residence is much larger and nice home build in XXX Excellent credit; ; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR of XXX FICO XXX 80% LTV. Experienced XXX, borrowers current home on XXX acre in XXX- primary residence is much larger and nice home build in XXX Excellent credit | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. The Final 1003 does not list all of the real eState owned by the borrower and mortgages to be matched to their respective properties. Credit Supp XX/XX/XXXX shows XXX new mtg trades which do not appear on the 1003. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/28/2026 | The Final 1003 is Present; Evidence provided shows one mtg and one installment debt. | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert Missing documentation supporting the property taxes for the subject property of XXX per month | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/28/2026 | Property Tax Cert Provided; Title evidence provided reflecting taxes. | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409049299 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. Comp Factors: Suburban per Appraisal; XXX FICO; XXX mos PITIA reserves; XX/XX/XXXX DSCR. Note to Seller: Post Close Exception was reviewed and approved. Please note a XXX pricing impact for exception will apply.; Post Close Exception was reviewed and approved. Please note a XXX pricing impact for exception will apply.; XXX may review for exception. Please note there maybe impact to pricing for exception.; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX mos PITIA reserves; XX/XX/XXXX DSCR. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | XXX | Compliance | Lender QM Status not validated | Missing required QM designation | Documentation and comment received, XXX to review.; Document Uploaded. Please see XXX compliance report. Please be advised that this is always in the legal package and labeled as "Loan Detail report" on top.; | 04/17/2026 | compliance report provided | 04/22/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 409042735 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043485 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing The CPA letter in file does confirm the Borrower's ownership of his company. However, it does not specify tenure of ownership; it only refers to the XXX Corp Commission report which shows the business was formed on XXX. Per Borrower's driver's license, he was born on XXX. Borrower's name includes the suffix the "III". Lender to provide confirmation when the Borrower actually took over the subject business and a copy of the CPA's license verification. | ; ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | Borrower 1 CPA Letter Provided; Client States: The XXX Corporation Commission shows there was a Shareholder Change Effective XX/XX/XXXX. I am attaching a copy of the Officer/XXX/Shareholder Change showing XXX and XXX changed to XXX XXX on XX/XX/XXXX, was previously XXX. I am also attaching a copy of the CPA, XXX XXX, license #XXX. LM Updated. | 04/22/2026 | 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<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043485 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | Evidence of appraisal delivery provided. | 04/22/2026 | 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<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409045044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX / XXX / XXX however missing proof of e-consent dated XXX / XXX / XXX or before. | ; Document Uploaded. Proof of E-consent by Borrower showing date of XX/XX/XXXX ; ; ; ; | 04/27/2026 | Evidence of eConsent is provided. | 04/28/2026 | 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%<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Waived | XXX | Credit | Missing Business Entity Formation Document | Missing Business Narrative | ; ; Please waive for Grade B (not required for XXX)- Comp- XXX% Fico XXX LTV 77.28%; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% Fico XXX LTV XXX | 04/23/2026 | 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%<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045685 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Compliance | 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. | ; Document Uploaded. | 04/21/2026 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided. | 04/21/2026 | 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.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409046023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Waived | XXX | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% XXX XXX Expanded program requires XXX time home buyers contribute at least XXX% toward the down payment of a purchase transaction. The borrower received a XXX at closing. Borrower did not contribute the required XXX% | ; ; Please waive for grade B- not required per XXX guides- comp- 69.71% LTV, XXX years credit depth, Fico XXX; | 04/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 69.71% LTV, XXX years credit depth, Fico XXX | 04/28/2026 | 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 69.71% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.71% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements. XXX Acct# XXX Statement documentation is missing from the loan file. | Documentation received in XXX review.; Document Uploaded. Please see XXX bank Statements for XXX.; ; | 04/24/2026 | Asset 4 Meets Guideline Requirements Or XXX | 04/27/2026 | 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 69.71% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.71% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Waived | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded Bank Statement Program v12 | ; Please waive for grade B- not required for XXX XXX guides- Comp factor, credit depth XXX years, 69.7% LTV, Fico XXX; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: 69.71% LTV, XXX years credit depth, Fico XXX | 04/23/2026 | 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 69.71% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.71% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045366 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Borrower does not meet the criterial of experienced XXX, max LTV is 70% | ; Documentation and comment received, XXX to review.; Document Uploaded. For XXX time XXX, reduce matrix LTV by XXX% purchase Max LTV is 80%. reduce XXX% which is XXX% Could you please double check ; | 04/21/2026 | Borrower is XXX time XXX, but documentation provided confirms the subject property will be managed by a property management group. Guidelines require Max LTV of 80% to be reduced by XXX% for XXX time XXX. 70% LTV max is for XXX time XXX who intends to self-manage. Loan qualifies at 75% LTV. Finding is resolved. ; Audited LTV of 75% is less than or equal to Guideline LTV of 75%; Audited LTV of 75% exceeds Guideline LTV of 70% | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045366 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | ; Documentation and comment received, XXX to review.; Document Uploaded. Please see the XXX 1003 and 401k Statement, the guideline allows us to use XXX% of the retirement account balance. ; | 04/21/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client provided Updated 1003 reflecting XXX% of XXX Account. LM Updated. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045366 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) | ; | 04/21/2026 | Client provided Updated 1003 reflecting XXX% of XXX Account. LM Updated. ; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045366 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Application Profile Missing | State of XXX is a community property State. Provide XXX consent. | ; Documentation received, XXX to review.; Document Uploaded. XXX Transfer Deed; | 04/21/2026 | Received InterXXX deed. Exception Resolved. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045366 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Waived | XXX | Credit | Missing Lease Agreement | Lease agreements for unit b, c and d in file and all leases are month to month. Guidelines require lease agreements to have an initial term of at least XXX months. A lender exception was provided for short term leases, compensating factors were High FICO of XXX and DSCR score over XX/XX/XXXX | ; Document Uploaded. DD to waive for B Grade. Approved Exception XXX. Comp Factors: Tenant Occupied XXX of XXX units for over XXX month period although month to month leases; XX/XX/XXXX DSCR; XXX FICO; No Mortgage Lates; XXX mos PITIA; | 04/20/2026 | Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX/XX/XXXX DSCR; XXX FICO; No Mortgage Lates; XXX mos PITIA. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor DTI (DTI SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per the guidelines, if the borrower(s) have a rental history within the most recent XXX months, a Verification of Rent is required. The lender provided documentation supporting a XXX-month rental history; however, the documentation does not confirm a satisfactory payment history (XXX). A VOR or equivalent documentation verifying a satisfactory XXX-month rental payment history is required. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/23/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client provided VOR reflecting XXX. LM Updated. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX | Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | Client provided W-XXX for XXX with EIN. LM Updated. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045415 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Lender did not provide ATR/QM Status Determination. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | compliance report provided | 04/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80%<br> C<br> A<br> B | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 409045415 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Page XXX of the appraisal report shows subject property was listed on XX/XX/XXXX, but days on market shows XXX The appraisal report contains a XXX when subject transaction is primary residence. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | Property/Appraisal Meets Guidelines; Client provided Updated Appraisal reflecting the subject was listed XX/XX/XXXX. LM Updated. | 04/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80%<br> C<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 409045665 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Missing XXX. Lender did not provide ATR/QM Status Determination. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | compliance report provided | 04/22/2026 | 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 60.96% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.96% 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<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409047767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Waived | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX Originator used the higher lease rent of XXX vs market rent of XXX | ; ; Document Uploaded. DD to review and waive for B Grade - Exception Approved for use of actual rents vs lower market rents. DD to verify DSCR calculation using actual rents per lease and evidence of payments received (DSCR of 10x) and Update other conditions accordingly. Exception Approval Provided. Comp Factors: XXX FICO; XXX mos PITIA reserves, Property Tenant Occupied, Experienced XXX; Post Close Exception to use higher actual rents was approved. Please note XXX pricing hit will apply.; XXX review of exception pending.; DD to reopen - Exception is still pending review with XXX to use higher rents.; Documentation and comment received, XXX to review.; Document Uploaded. exception submission to use current retns - provided lease and two months of received rent; | 04/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX mos PITIA reserves, Property Tenant Occupied, Experienced XXX; Re-opened finding per XXX request. Exception approval is pending. ; Qualifying DSCR meets Guidelines; Client provided Lease Agreement reflecting XXX per month rent and XXX months bank Statements reflecting XXX received for XX/XX/XXXX and XX/XX/XXXX. LM Updated. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/21/2026 | Third Party Fraud Report is provided | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | XXX Missing Articles of Organization XXX The Operating Agreement reflects XXX LLC as a multi-member entity with two XXX% members; however, only one member executed the loan documents. No evidence of authority (e. Borrowering Resolution or equivalent) was provided to demonstrate that XXX is authorized to bind the LLC independently. While XXX executed the Note and Deed of Trust both individually and as a member, this does not evidence proper authorization to obligate the LLC. Provide a fully executed Borrowing Resolution or equivalent documentation, signed by all members, authorizing the subject loan and designating the authorized signer. | ; Documentation and comment received, XXX to review.; Document Uploaded. line XXX on operating agreement talks about binding athourity; | 04/21/2026 | Lender provided the signed Operating agreement with line XXX addressing binding authority. Business License, and EIN. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. Missing an updated 1003 which reflects the borrower as Permanent Resident Alien as 1003 in file reflects the borrower as a XXX, however A Permanent Residence Card is in file. | Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | The Final 1003 is Present; Client provided Updated 1003 reflecting the Borrower as Permanent Resident Alien. LM Updated. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing the W-XXX form for Business Entity. | Documentation received, XXX to review.; Document Uploaded. ; Needed for XXX ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/23/2026 | Client provided W-XXX for XXX with EIN. LM Updated.; Client provided W-XXX for the Borrower with SSN. Missing the W-XXX form for Business Entity. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409044403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraiser noted and provided visual proof of significant damaged XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/28/2026 | The issue with the property has been resolved.; Updated appraisal with cost to cure provided. | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409045038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045478 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Missing Lease Agreement | The appraisal indicates that the subject is tenant occupied. The lease agreement was not provided for review. | Documentation and comment received, XXX to review.; Document Uploaded. market rent was used to qualify vs the lower lease amount per pg XXX of our guidelines that is allowable as it's within XXX% of the lease amount.; ; Per FMHL Variance for DSCR: Refinance Transactions • Required documentation: o FNMA form 1007 or XXX reflecting long term market rents, and lease agreement if property is leased. - Per appraisal property is tenant occupied with lease being required to be documented. - DD to reopen finding; we did not use any rental income to qualify... therefore, the lease should not be needed ; | 04/22/2026 | Received executed XXX month lease agreement with monthly payment of $XXX. DSCR calculation corrected to XXX / PITIA XXX = XXX. (Guidelines require use of lower current or market rents). Borrower qualifies with DSCR > XXX. Exception Resolved. ; The appraisal indicates the subject is tenant occupied and currently rented for XXX per month. The subject property is a SFR. Guidelines require SFR properties must be leased at the time of closing and the borrower must provide evidence that the property has been leased. Provide an executed lease agreement for XXX per month. | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409046318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing required W-XXX for XXX XXX | Documentation received, XXX to review.; Document Uploaded. W9; Only in loan package for XXX, missing LLC.; | 04/20/2026 | Documentation is sufficient. W-XXX document provided. Exception resolved. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX expanded Bank Statement program | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/28/2026 | Client provided Borrower Business Narrative. LM Updated. | 04/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.3% is less than Guideline LTV of 70% \| 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 17.3% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409043260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | XXX DSCR GLs V13 require escrows for taxes and insurance. The subject FCD does not reflect escrow accounts were established. | ; ; ; ; ; Document Uploaded. ; Escrow waiver exception approved. ; Exception approved for escrow waiver. ; | 04/27/2026 | Waived per client request via XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX months of reserves, and DSCR XXX.; Approved exception received, missing compensating factors on exception approval. Please provide compensating factors in order to waive. ; Provide escrow waiver exception with XXX compensating factors as required by XXX. ; Received the Approved exception for the escrow waiver, however, the exception must list compensating factors which are not reflected on the document. Provide escrow waiver exception with compensating factors as required by XXX. ; Please provide written approved exception with comp factors. Thank you. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045522 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Waived | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for XXX Bank acct #XXX mortgage on rental property XXX XXX. Housing history requirement of XXX per XXX Expanded v12 guidelines not met. | ; Please waive for B grade - Borrower not liable; full PITI included in DTI. Comp factors: FICO XXX; DTI below Max; LTV below max ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | ; Audit reviewed the lender's response. Housing history requirement of 1x30 for XXX months per XXX Expanded v12 guidelines. Please provide XXX month VOM for XXX Fort Apache Rd. | 04/22/2026 | 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 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044337 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Waived | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender approved Exception dated XX/XX/XXXX. Exception to combine Statements from a dissolved entity to a newly formed entity. LOX from LO on his understanding of the facts and will be followed by a letter from the Borrowers' CPA once the exception is granted. Missing compensating factors. | ; Please waive - exception granted by XXX - Comp factors: XXX / DTI XXX mo reserves; Please waive - exception granted by XXX - Comp factors: XXX / DTI XXX mo reserves | 04/21/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX / DTI XXX mo reserves.; Lender States comp factors are XXX DTI < XXX% and > XXX months reserves. The Loan exception reflects a XXX FICO, a XXX% DTI and reserves are not listed as a compensating factor. Borrower does not meet the XXX% DTI. Provide an approved exception with compensating factors. | 04/21/2026 | 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.<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Waived | XXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Per XXX DSCR v13 guidelines, All loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. XXX is required, policy shows XXX | ; ; Please waive for grade B- underwritten to XXX guides- Comp- Fico XXX DSCR, 70% LTV; | 04/30/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Fico XXX DSCR, 70% LTV | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal reports shows unit XXX as having two bathrooms, sketch shows XXX bathroom | Documentation received, XXX to review.; Document Uploaded. Please see XXX revised appraisal with bath added to sketch.; ; ; ; ; ; ; ; | 04/28/2026 | Property/Appraisal Meets Guidelines; Client provided Revised Appraisal reflecting 2nd bathroom added to sketch for Unit XXX LM Updated.; No additional comments or documentation received. Finding reopened for review. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Waived | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Only one month of bank Statement provided for XXX Account #XXX. | ; DD Please waive For B Grade as long as minimum of XXX month Statement provided. Can source funds in XXX from account XXX Per Seller Comments We won't have XXX months on that account. XXX #XXX is a newly opened account. It opened on XX/XX/XXXX and the source of large deposit is a transfer from XXX Bank #XXX which are seasoned assets. Please escalate that it is a newly opened account. Comp Factors XXX FICO; XXX mos PITIA reserves; XX/XX/XXXX DSCR; 48.89% LTV; Comment received, in XXX review.; We won't have XXX months on that account. XXX #XXX is a newly opened account. It opened on XX/XX/XXXX and the source of large deposit is a transfer from XXX Bank #XXX which are seasoned assets. Please escalate that it is a newly opened account.; ; ; DD to update status to Open - Please note that XXX may consider for exception if not able to cure.; XXXt Package; | 04/28/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XXX mos PITIA reserves; XX/XX/XXXX DSCR; 48.89% LTV.; Per seller, loan is a newly opened account, therefore only one month provided. XXX guidelines requires for XXX months Statements. ; Client re-uploaded many documents. Asset Qualification Does Not Meet Guideline Requirements. Only one month of bank Statement provided for XXX Account #XXX.; Document Uploaded. | 04/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.89% is less than Guideline LTV of 70% \| 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 48.89% is less than Guideline CLTV of 70%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXX | Compliance | 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. | Documentation received, XXX to review.; Document Uploaded. ABA Disclosure (XXX). ; | 04/21/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Asset Utilization = no dti. \| Borrower has stable job time - Borrower has XXX years on job. \| 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409046255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | ; Documentation received, XXX to review.; Document Uploaded. XXX (XXX). ; | 04/22/2026 | Approval/Underwriting Summary is fully present. Exception Resolved. | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Asset Utilization = no dti. \| Borrower has stable job time - Borrower has XXX years on job. \| 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 409046082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Property | External Obsolescence Present | External obsolescence present. External obsolescence present in file as the subject is XXX to the subside and rear side of XXX | ; ; ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/27/2026 | External obsolescence meets guidelines.; 1004D received addressing issues. ; Lender provided the 1004D. External obsolescence present in file as the subject is XXX to the subside and rear side of XXX | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% \| 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 70%<br> C<br> A<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409046082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal report is subject to smoke carbon monoxide detectors installed on all levels, black spots possible mold removed unit XXX left bedroom ceiling and heat in working order in unit XXX.. Five electric meters and five electric panels were observed in basement as XXX (attach to subject) they share electric service for XXX reasons to owner, It is recommended by your appraiser for the utility service be separated | ; Appraisal provided shows installation of carbon monoxide detectors ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/27/2026 | Property/Appraisal Meets Guidelines; 1004D received addressing all issues. ; The appraisal report is subject to smoke carbon monoxide detectors installed on all levels, black spots possible mold removed unit XXX left bedroom ceiling. The 1004D provided does not address this issue. | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% \| 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 70%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409046333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing Asset Statements used for Asset depletion income of XXX disclosed on the Asset worksheet provided in file. | Documentation received, XXX to review.; Document Uploaded. ; | 04/24/2026 | Income and Employment Meet Guidelines; Client provided XXX Deferred Compensation 401k. LM Updated. | 06/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Missing all asset documentation used for funds to close and reserves. | ; Document Uploaded. bank Statements ; Documentation received, XXX to review.; ; assets; Seller to claifify comment. Statements for XXX #XXX requested to cure. Unsure what comment requesting stating "assets" - DD to please reopen finding; Document Uploaded. ; Documentation received, XXX to review.; Pages XXX to XXX of loan package were all blank in delivered loan package. ; | 04/29/2026 | Client provided VOD for XXX bank #XXX reflecting XXX balance. LM Updated.; Asset Qualification Meets Guideline Requirements.; Asset Qualification Does Not Meet Guideline Requirements. Missing XXX account XXX bank Statements. ; Asset Qualification Does Not Meet Guideline Requirements. Missing XXX account XXX bank Statements. ; Asset Qualification Does Not Meet Guideline Requirements..; Asset Qualification Meets Guideline Requirements.; Missing XXX bank Statements for account #XXX reflecting XXX balance. ; Asset Qualification Does Not Meet Guideline Requirements. Missing XXX account XXX bank Statements. ; Asset Qualification Does Not Meet Guideline Requirements.. | 04/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Compliance | Missing HUD-XXX Closing Statement |  | ; Document Uploaded. ; | 04/29/2026 | Final CD provided. | 04/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | ; | 04/29/2026 | Evidence of appraisal delivery provided. 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. | 04/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. |  | 04/29/2026 | Initial Escrow Account Disclosure is Resolved Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. | 04/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. | Documentation received, XXX to review.; Document Uploaded. ; | 04/24/2026 | The 1-4 Family Rider is Present; Client provided 1-4 Family Rider. LM Updated. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Condo Rider is Missing | Condo Rider is Missing | Documentation received, XXX to review.; Document Uploaded. ; Pages XXX to XXX of loan package were all blank in delivered loan package. ; | 04/24/2026 | The Condo Rider is Present; Client provided Condo Rider. LM Updated. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts XXX fraud report reflects a property not disclosed on the Final 1003 (XXX XXX). Provide updated Final 1003 disclosing all properties owned by borrower. | Documentation received, XXX to review.; Document Uploaded. ; | 04/24/2026 | All Fraud Report Alerts have been cleared or None Exist; Client provided Fraud Report reflecting Alerts Cleared. LM Updated. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert 1003 and XXX reflects XXX for monthly taxes. The county tax property report reflects annual tax of XXX / XXX = $XXX. Provide verification of subject property taxes. | Documentation received, XXX to review.; Document Uploaded. ; | 04/24/2026 | Property Tax Cert Provided; Client provided ICE Property Tax Statement. LM Updated. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing | Documentation received, XXX to review.; Document Uploaded. ; Pages XXX to XXX of loan package were all blank in delivered loan package. ; ; | 04/24/2026 | The Deed of Trust is Present; Client provided Executed Mortgage. LM Updated. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | The Note is Missing | The Note is Missing. The Note is Missing. | Documentation received, XXX to review.; Document Uploaded. ; Pages XXX to XXX of loan package were all blank in delivered loan package. ; | 04/24/2026 | The Note is Present.; Client provided Executed Note. LM Updated. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing. Missing Final 1003. | Document Uploaded. ; Documentation received, XXX to review.; Pages XXX to XXX of loan package were all blank in delivered loan package. ; | 04/24/2026 | The Final 1003 is Present; Client provided Final 1003. LM Updated. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Loan application reflects borrower currently rents for XXX Missing VOR. | Documentation received, XXX to review.; VOR; Pages XXX to XXX of loan package were all blank in delivered loan package. ; | 04/24/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client provided VOR. LM Updated. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409045629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. | Documentation received, XXX to review.; Document Uploaded. ; Pages XXX to XXX of loan package were all blank in delivered loan package. ; | 04/24/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & Occupancy Affidavit. LM Updated. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 409043521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Waived | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% The XXX Expanded DSCR GLs V13 are silent on Interested Party Contributions which requires referral to FNMA Seller's Guide which caps IPCs on N/O properties at XXX% | ; ; ; Please waive - XXX granted exception - COMP FACTORS: • DSCR XX/XX/XXXX • Experienced XXX • Excellent reserves after closing >XXX mo. | 05/29/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DSCR XX/XX/XXXX • Experienced XXX • Excellent reserves after closing >XXX mo. | 05/29/2026 | D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | XXX Expanded DSCR GLs V13 require escrow accounts to be established for property taxes and hazard insurance. The FCD does not reflect any escrow accounts put in place. | ; ; ; Please waive - XXX granted exception - COMP FACTORS: • DSCR XX/XX/XXXX • Experienced XXX • Excellent reserves after closing >XXX mo. | 04/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose DSCR XX/XX/XXXX • Experienced XXX • Excellent reserves after closing >XXX mo. | 05/29/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409049289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. |  | ; DD to waive for B Grade. Exception Approved and taken into account with lock. \*\*\*\*Comp Factors: XXX mos PITIA reserves (will cover XXX months tax and insurance payments); XXX FICO; No Mortgage Lates; XXX DSCR\*\*\*\*; Document Uploaded. ; DD to waive for B Grade. Exception Approved and taken into account with lock. Comp Factors: XXX mos PITIA reserves (will cover XXX months tax and insurance payments); XXX FICO; No Mortgage Lates; XXX DSCR; XXX to review for exception; | 04/21/2026 | Client approved an exception to guidelines due to no escrow account. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA reserves (will cover XXX months tax and insurance payments); XXX FICO; No Mortgage Lates; XXX DSCR\*\*\*\*; Approved Exception for escrow waiver received, however, comp factors not provided. Please provide the comp factors on the approved exception. Thank you. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409047460 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. COMP FACTORS: • FICO XXX • DSCR >XXX • LTV = XXX% Note to Seller: Please be aware a XXX price adjustment will apply for exception approved.; | 04/29/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX • DSCR >XXX • LTV = XXX% | 04/29/2026 | 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 60.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.19% is less than Guideline CLTV of 75%<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Waived | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. All comparables have adjustments between XXX-XXX%. Appraiser indicates this is due to the fact XXX unit properties were not found on the market. The only comparable with XXX% adjustment that is also a XXX unit is a pending sale. The subject is higher in value than what is dominant for the area because it is almost new XXX. Some of the pictures of Unit C are blurry like the living room, dining, XXX and bathroom. | ; | 04/29/2026 | Client approved an exception noting that the appraiser addresses the lack of XXX-unit properties, but does provide XXX with minimal adjustments. The appraiser did provide both XXX and XXX unit properties adjusted accordingly for the lack of/extra unit based on market supported value which is the XXX contributor to the total adjustments. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR >XXX, and LTV 61%. | 04/29/2026 | 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 60.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.19% is less than Guideline CLTV of 75%<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | XXX XXX DSCR guidelines require taxes and insurance to be escrowed. Final CD and XXX Payment Letter show no escrows. | ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX. COMP FACTORS: • FICO XXX • DSCR >XXX • LTV = XXX% Note to Seller: Pricing for no escrows taken into account for lock already.; | 04/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX • DSCR >XXX • LTV = XXX% | 04/27/2026 | 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 60.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.19% is less than Guideline CLTV of 75%<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. Missing required Business Purpose Affidavit for XXX XXX DSCR loans. | Documentation received, XXX to review.; Document Uploaded. Please see XXX business purpose to clear condition; | 04/23/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & Occupancy Affidavit. LM Updated. | 04/23/2026 | 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 60.19% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.19% is less than Guideline CLTV of 75%<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409042449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Approved Exception in file. Borrower request to waive escrows. | ; ; Escrow waiver already approved and priced - XXX months PITI reserves; credit score XXX DSCR of XXX; | 04/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX months PITI reserves; credit score XXX DSCR of XXX | 04/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.84% is less than Guideline CLTV of 75% \| 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 36.84% is less than Guideline LTV of 75%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Rescinded | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing required rent loss protection (XXX months) | ; Document Uploaded. ; | 04/28/2026 | ; Rent loss coverage present in original file. Exception Rescinded. | 04/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409047776 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409047400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA 130b Cure required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The Recording Fee increased from XXX on the LE dated XX/XX/XXXX to XXX on the CD dated XX/XX/XXXX which is more than XXX% tolerance. There is no valid COC in the loan file for the increase. 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 n 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). | ; Documentation received, XXX to review.; Document Uploaded. See XXX PCCD with CTC Refund Check, LOX, Shipping Label to Borrower.; | 04/27/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.54% 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 41.54% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409047400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | Documentation and comment received, XXX to review.; Document Uploaded. Appraisal delivered to borrower on XX/XX/XXXX. File closed on XX/XX/XXXX, disabused on XX/XX/XXXX. ; | 04/24/2026 | Evidence of appraisal delivery provided. | 04/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.54% 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 41.54% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409047400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | XXX | Compliance | 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. | Documentation received, XXX to review.; Document Uploaded. ABA Disclosure (XXX). ; | 04/24/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.54% 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 41.54% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409047400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Lender did not provide ATR/QM Status Determination. | Documentation received, XXX to review.; Document Uploaded. Compliance Report (XXX). ; | 04/24/2026 | ComplianceEase Report provided. | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.54% 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 41.54% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409047400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | XXX | Property | External Obsolescence Present | External obsolescence present. External obsolescence present in file. Appraiser States that this does not affect marketability. | ; | 04/23/2026 | The appraiser noted that the subject's location does not affect marketability, the appropriate adjustment was made for the value, and XXX comp has a similar location. Finding is resolved. | 04/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.54% 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 41.54% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> A<br> B | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 409043858 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | XXX | Compliance | Lender did not provide ATR/QM Status Determination | Lender did not provide ATR/QM Status Determination. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | compliance report provided | 04/22/2026 | 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.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409043858 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Application Profile Missing | Missing required business narrative for XXX XXX expanded bank Statement program. | ; Documentation received, XXX to review.; Document Uploaded. ; | 04/22/2026 | Received completed, executed Business Narrative. Exception Resolved. | 04/22/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409045399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409047510 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | XXX | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a XXX lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($XXX,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a XXX lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%. Non QM originated, finding XXXs active per client direction. | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a XXX lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a XXX lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($XXX,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a XXX lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%. Non QM originated, finding XXXs active per client direction. |  | XXX Expanded v12 guidelines allow Non-QM for rate spread. Finding provided for information only. | 04/21/2026 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046995 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; Document Uploaded. DD to waive for B Grade. Approved Exception XXX. Comp Factors: XXX FICO; XX/XX/XXXX mos PITIA reserves; XX/XX/XXXX DSCR; tenant occupied; experienced XXX.; Exception Pending Review. Escalated on XX/XX/XXXX and pending review - DD to reopen finding pending exception review.; XXX to review for Exception. Please note maybe impact to pricing.; Pending waiver review by XXX; XXX to review for Exception. Please note maybe impact to pricing.; | 04/29/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XX/XX/XXXX mos PITIA reserves; XX/XX/XXXX DSCR; tenant occupied; experienced XXX.; Reopened as requested for review.; ; Property/Appraisal Meets Guidelines | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Rescinded | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal has PUD box checked; however, legal description says it is a Condo. Please provide corrected appraisal removing PUD check box to indicate condo. | ; ; DD to review. Property is a site condo - often marked as pud if completed on XXX (which is acceptable). Comments show site condo.; | 04/29/2026 | Subject is a site condo. Appraisal shows as PUD is acceptable. Exception Rescinded. | 04/29/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Rescinded | XXX | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. Appraisal indicates property is a PUD; however, legal description indicates property is a Condo. | ; ; ; DD to review. Site condos do not require an approval per FNMA.; | 04/29/2026 | FNMA does not require Condo Approval for site condos. Exception Rescinded. ; ; Condo Approval Missing. Condo approval is Missing. | 04/29/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Resolved | XXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Unable to locate post disaster inspection evidencing no damage to subject property. FEMA disaster dates are from XX/XX/XXXX to XX/XX/XXXX. Appraisal is dated XX/XX/XXXX. | ; Document Uploaded. ; Documentation received, XXX to review.; Appraisal was completed after the disaster and the appraisal makes no comments of any damage inside or outside. The end date and declarations were delayed by FEMA but the disaster was already over by the time the appraisal was done.; | 04/29/2026 | Received Post disaster inspection completed on XXX that reflects free and clear of disaster related damage. Exception Resolved. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Resolved | XXX | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Unable to locate post disaster inspection evidencing no damage to subject property. FEMA disaster dates are from XX/XX/XXXX to XX/XX/XXXX. Appraisal is dated XX/XX/XXXX. | ; Document Uploaded. ; Documentation received, XXX to review.; Appraisal was completed after the disaster and the appraisal makes no comments of any damage inside or outside. The end date and declarations were delayed by FEMA but the disaster was already over by the time the appraisal was done.; | 04/29/2026 | Received Post disaster inspection completed on XXX that reflects free and clear of disaster related damage. Exception Resolved. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Resolved | XXX | Credit | Missing Business Entity Formation Document | Missing Executed W-XXX for guarantor XXX as required per guidelines. | ; Document Uploaded. W-9s XXX. Uploaded for Review. DD to review.; Reviewed with XXX compliance. W-9s required for both Guarantor and LLC. DD to reopen finding; This is vested in an LLC W(only needs to be from the entity. If one borrower signed it was not needed as you have the W9 form the entity.; | 04/29/2026 | Received executed W-XXX for the LLC and the Guarantor as required per XXX compliance. Exception Resolved. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Resolved | XXX | Credit | Missing Loan program disclosure | Business Purpose Disclosure Form States "Borrower's Purpose in applying for the loan is to use the proceeds of the loan for: The purchase of a rental at the property address above." The property address listed above that line is the subject address. This is a refinance and borrower already owns the subject address. Please provide a Business Purpose Disclosure Form with the purpose corrected to something other than purchasing a property the borrower already owns. | ; Document Uploaded. DD to review - Per Seller - This is not material as the loan clearly illustrates it is a refinance. This was was included in error and was not removed from the closing package. You can tell that as there is no place for anyone to check "refinance" transaction. There is another BPL Certification in the file without the transaction noted. The transaction type is not needed on the form. \*\*\*Borrower cert of business purpose was provided at XXX. ; This is not material as the loan clearly illustrates it is a refinance. This was was included in error and was not removed from the closing package. You can tell that as there is no place for anyone to check "refinance" transaction. There is another BPL Certification in the file without the transaction noted. The transaction type is not needed on the form.; | 04/27/2026 | Corrected BP agreement provided. | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Rescinded | XXX | Credit | Missing rent comparable schedule form 1007 | Comparable Rent Schedule XXX provided does not meet guidelines. Per XXX XXX DSCR guidelines, when using a XXX to determine short term rental income, it must use XXX comparable properties, all within the same zip code which are similar in size, room count, amenities, availability and occupancy. The XXX provided only used XXX comparable properties. | ; Escalated for review to DD. Guideline referenced is for XXX, Not XXX.; | 04/23/2026 |  | 04/23/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Waived | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX XXX guidelines, properties designated as rural per XXX ineligible. | ; DD to waive for B Grade. Exception approval XXX. Comp Factors: XXX FICO; XX/XX/XXXX mos PITIA reserves; XXX DSCR; tenant occupied; experienced XXX.; ; ; ; ; DD to reopen - Exception in review.; XXX to review for exception. Please note maybe impact to pricing.; XXX to review for exception. Please note maybe impact to pricing.; | 04/29/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; XX/XX/XXXX mos PITIA reserves; XXX DSCR; tenant occupied; experienced XXX.; Resolved in error. Condition is open pending XXX exception approval. ; Property/Appraisal Meets Guidelines; Re-Opened as requested for review. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Rescinded | XXX | Credit | Missing Prepayment Rider |  | ; ; Document Uploaded. In Loan package. DD to review.; | 04/29/2026 | The file contains the note PPP addendum. The mortgage does not reflect a PPP rider and is not required. Exception rescinded. | 04/29/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | XXX | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. DR-XXX-HI declaration date XX/XX/XXXX occurred after the appraisal dated XX/XX/XXXX. Post Disaster Inspection is needed. | ; ; Document Uploaded. DD to review.; Document Uploaded. ; Incident end date per FEMA is XX/XX/XXXX - Inspection/Appraisal is required to cure after incident end date. Appraisal in file was completed prior to XX/XX/XXXX on XX/XX/XXXX. - DD to reopen finding.; Appraisal was completed after the disaster and the appraisal makes no comments of any damage inside or outside. The end date and declarations were delayed by FEMA but the disaster was already over by the time the appraisal was done.; | 04/29/2026 | FEMA Post Disaster Inspection report was provided.; The 4th photo in the report clearly shows the front of the subject property, and it aligns with the front view in the original appraisal. This finding is resolved. ; Received Post Disaster Inspection dated XXX. Page XXX of the report indicates front and side view of the subject are required. The photo labeled front view of the subject is blurry. Provide updated, clear front photo of the subject property.; Reopened as requested for review. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | XXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. DR-XXX-HI declaration date XX/XX/XXXX occurred after the appraisal dated XX/XX/XXXX. Post Disaster Inspection is needed. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Incident end date per FEMA is XX/XX/XXXX - Inspection/Appraisal is required to cure after incident end date. Appraisal in file was completed prior to XX/XX/XXXX on XX/XX/XXXX. - DD to reopen finding.; Appraisal was completed after the disaster and the appraisal makes no comments of any damage inside or outside. The end date and declarations were delayed by FEMA but the disaster was already over by the time the appraisal was done.; | 04/29/2026 | Property Inspection Provided.; The 4th photo in the report clearly shows the front of the subject property, and it aligns with the front view in the original appraisal. This finding is resolved. ; Received Post Disaster Inspection dated XXX. Page XXX of the report indicates front and side view of the subject are required. The photo labeled front view of the subject is blurry. Provide updated, clear front photo of the subject property. ; Reopened as requested for review. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Rescinded | XXX | Property | Condo Approval Missing | Condo approval is Missing. | DD to review. Subject site condo. Condo approval not needed per FNMA. Per Appraisal: The subject ispartof a newer subdivision of XXXinglefamily residences, currently under XXX, andbeing developed under the CPR regime. As such, properties inthe subject project are legally classified as XXX, similar to site condos, butfor practicalpurposes are XXX residences, andare marketedandsold as suchthrough the MLS. Properties inthe projecthave monthly association and XXX fees totaling $XXX hich cover XXX of streets andgreen beltsbetweenXXX, and XXX anduseof community amenities. ; | 04/23/2026 | FNMA does not require Condo Approval for site condos. Exception Rescinded. | 04/24/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Rescinded | XXX | Credit | PUD Rider is Missing | PUD Rider is Missing The appraisal identifies the subject to be a XXX PUD, but the DOT provided a Condo Rider. | DD to review. Property is a site condo. Per Appraisal: The subject ispartof a newer subdivision of XXXinglefamily residences, currently under XXX, andbeing developed under the CPR regime. As such, properties inthe subject project are legally classified as XXX, similar to site condos, butfor practicalpurposes are XXX residences, andare marketedandsold as suchthrough the MLS. Properties inthe projecthave monthly association and XXX fees totaling $XXX hich cover XXX of streets andgreen beltsbetweenXXX, and XXX anduseof community amenities. ; | 04/23/2026 | ; Received and reviewed commentary. Appraisal completed as a PUD is acceptable. Exception Rescinded. | 04/24/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046914 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Lender only provide an LOE stating HOA dues are XXX a month. Missing verification of HOA dues for XXX property "XXX XXX". | ; Documentation received, XXX to review.; Document Uploaded. Property report XXX; | 04/29/2026 | Property report showing HOA documentation provided. | 04/29/2026 | 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%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409046914 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | Documentation received, XXX to review.; Document Uploaded. appraisal delivery; | 04/27/2026 | Evidence of appraisal delivery provided. | 04/28/2026 | 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%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 409047525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Only XXX month of bank Statements provided for XXX account XXX and XXX XXX Expanded v12 guidelines require XXX months of bank Statements for asset verification. | ; Documentation received, XXX to review.; Document Uploaded. Please review the XXX rebuttal, thanks; | 04/29/2026 | Asset Qualification Meets Guideline Requirements.; Client States: Could we have someone take a second look at the condition added for the missing bank Statements. Per the guidelines below, both the matrix and guide show XX/XX/XXXX months is acceptable: For full manual underwriting approach assets may be documented using one XXX or two XXX months bank Statements, refer to FNMA seller guide. Verified. LM Updated. | 04/29/2026 | 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%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 409047769 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409047006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Waived | XXX | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded v12 Bank Statement Program. | ; Please waive for grade B (not needed for XXX guides) Comp factors, XXX years credit history, XXX% DTI, XXX Fico | 04/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years credit history, XXX% DTI, XXX Fico | 04/27/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409043879 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409042565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Waived | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | XXX DSCR GLs V13 require an escrow account be established for property taxes and hazard insurance. The FCD reflects no escrows have been put in place. The Lender has provided an approved Exception for Escrow Waiver. No compensating factors listed. | ; Please waive- exception approved - Comp XXX months reserves, DSCR XXX Fico XXX 75% LTV; ; ; ; | 04/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX months reserves, DSCR XXX Fico XXX 75% LTV | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409049899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409043486 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409044683 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/23/2026 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE credit inquiries for previous XXX days | ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; | 04/29/2026 | Received signed LOX regarding XXX credit inquiries in the past XXX days. Exception Resolved. | 04/29/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 409045479 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/23/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/28/2026 | Evidence of eConsent is provided. | 04/29/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409045479 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/23/2026 | Waived | XXX | Credit | Missing Business Entity Formation Document | Missing Business Narrative. | ; Please waive for Grade B (XXX guides)- XXX% DTI, XXX Score, 80% LTV | 04/28/2026 | Waived per client, Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DTI XXX% and 80% LTV. | 04/28/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 409046401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409047955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409046912 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409045081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 03/11/2026 | Rescinded | XXX | Credit | Hazard Insurance Missing or Defective | Hazard insurance in file is MISSING MORTGAGEe clause and lender's name. Please provide updated hazard insurance with ISAOA/ATIMA verbiage. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 409045081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 03/11/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 03/11/2026 |  | 03/11/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 409045106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 03/17/2026 | Resolved | XXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (CPL) | XX/XX/XXXX: XXX | 03/20/2026 | XXX: Received | 03/20/2026 | D<br> A | N/A | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A | N/A | N/A | N/A | N/A | N/A |
| 409045106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 03/17/2026 | Rescinded | XXX | Credit | Hazard Insurance Missing or Defective | Lender on Hazard Insurance does not match Lender on Note. Please provide updated Hazard Insurance with the correct Lender and mortgagee clause. |  |  |  |  | D<br> A | N/A | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A | N/A | N/A | N/A | N/A | N/A |
| 409045066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 03/16/2026 | DELETE | XXX | Credit | Entity Documentation - Missing or Defective | Missing EIN For XXX |  |  |  |  | D<br> A | N/A | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A | N/A | N/A | N/A | N/A | N/A |
| 409045066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 03/16/2026 | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review For subject property : XXX | Please see the XXX appraisal and XX/XX/XXXX: Attaching the secondary valuation obtained due to no CU score returned in the SSR report. XXX% variance between CDA and Appraised value. | 03/20/2026 | XXX: Received XXX: Finding is in regard to an appraisal review. The UCDP in file is not within CU/LCA score limits. Please provide an appraisal review of the original. | 03/20/2026 | D<br> A | N/A | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A | N/A | N/A | N/A | N/A | N/A |
| 409045106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 03/17/2026 | DELETE | XXX | Credit | Title Insurance Missing or Defective | Preliminary title report in file is MISSING MORTGAGEe clause and Loan Amount after lender's name. Please provide title supplement report with ISAOA/ATIMA |  |  |  |  | D<br> A | N/A | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A<br> D | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.11

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 409016537 |  |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409021080 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409025217 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409021271 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409026316 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409024622 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409026118 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409026600 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409026621 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409035342 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409035250 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409035213 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409035338 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409035339 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409035238 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409032408 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409030605 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409035260 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409035293 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409035303 |  |  | $XXXXXX<br> B | A | A | A | A | A<br> B | A | A | A | A | A |
| 409035310 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409030616 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409026250 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409032425 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409031619 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409031212 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409031106 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409031229 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409032849 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409032224 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409027008 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409032335 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409032357 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409029278 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409034036 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409032150 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409025438 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044447 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409034118 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409031669 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409033352 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409034032 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409033273 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409032761 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409034037 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409034278 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409036699 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409037305 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409035204 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409038984 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 409034298 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409032418 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409034275 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409032753 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409031664 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A | A | A | A | A | A |
| 409033521 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409039026 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409039233 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040361 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409037262 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040364 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409035405 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409032957 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409037191 | XXXXX |  | $XXXXXX<br> B | C | C | C | C | C<br> A | A | A | A | A | A |
| 409037667 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409038460 | XXXXX |  | $XXXXXX<br> B | B | B | B | B | B<br> A | A | A | A | A | A |
| 409039721 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409037643 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> B<br> D | A | A | A | A | A |
| 409034041 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | B | B | B | B | B<br> A |
| 409040607 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409038277 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409040325 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409040320 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409040315 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409037934 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040882 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409040887 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409038926 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409040537 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 409040295 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040296 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 409040203 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409039790 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409039975 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409041526 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A<br> B |
| 409040894 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409037646 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409039424 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040290 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409039760 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409039170 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409040020 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | A | A | A | A | A<br> B |
| 409038558 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409040446 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409041163 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409044520 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044566 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044528 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044500 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044449 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044451 |  |  | $XXXXXX<br> A | B | B | B | B | B<br> A | B | B | B | B | B<br> A |
| 409044558 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044453 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044513 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044454 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044561 |  |  | $XXXXXX<br> A | B | B | B | B | B<br> A | B | B | B | B | B<br> A |
| 409044514 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044525 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044501 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044541 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044546 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044516 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044557 |  |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409044522 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044515 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044569 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044526 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044463 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044464 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044465 |  |  | $XXXXXX<br> B | A | A | A | A | A<br> B | A | A | A | A | A |
| 409044497 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044468 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044472 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044474 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044475 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044476 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044480 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044482 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044505 |  |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409044518 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040006 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409042019 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> B<br> D | A | A | A | A | A |
| 409041021 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409040533 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042015 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042029 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409040431 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042230 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040384 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | A | A | A | A | A<br> B |
| 409039210 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409040201 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409040959 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409041128 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409042300 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041818 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409040341 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409044568 |  |  | $XXXXXX<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044548 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044494 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409044448 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044567 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044551 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044452 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044509 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044510 |  |  | $XXXXXX<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044456 |  |  | $XXXXXX<br> A | D | D | D | D | D<br> A | B | B | B | B | B<br> A |
| 409044457 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044459 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044467 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409044565 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044469 |  |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409044506 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044521 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044477 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044560 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044547 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044483 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044512 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044487 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044533 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409038524 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409039931 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041994 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409040982 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409039956 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409040916 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409039589 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409041863 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A<br> B | A | A | A | A | A<br> B |
| 409042152 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040233 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042652 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042660 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A<br> B | A | A | A | A | A<br> B |
| 409040553 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409039749 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409040973 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409040967 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409040960 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409042266 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042264 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041519 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409041517 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409041518 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409042891 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041457 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409039861 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> B | A | A | A | A | A<br> B |
| 409041722 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409042018 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409043441 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409042192 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409040265 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041807 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409041041 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042335 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409040621 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409042204 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409042108 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409042035 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044446 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409044564 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044504 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044530 |  |  | $XXXXXX<br> C | B | B | B | B | B<br> A<br> C | A | A | A | A | A |
| 409044544 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044450 |  |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409044539 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044455 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044537 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044458 |  |  | $XXXXXX<br> A | D | D | D | D | D<br> A | B | B | B | B | B<br> A |
| 409044461 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044549 |  |  | $XXXXXX<br> A | D | D | D | D | D<br> A | B | B | B | B | B<br> A |
| 409044466 |  |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | B | B | B | B | B<br> A |
| 409044507 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044498 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044471 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044473 |  |  | $XXXXXX<br> A | B | B | B | B | B<br> A | B | B | B | B | B<br> A |
| 409044535 |  |  | $XXXXXX<br> A | A | A | A | A | A<br> B | A | A | A | A | A |
| 409044524 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044545 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409044478 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044479 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044552 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044481 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044540 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044550 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044484 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044485 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044529 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044527 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044490 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409044495 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044493 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041877 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> C | A | A | A | A | A |
| 409039250 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409043432 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409043703 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409042146 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 409039372 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> D<br> A | A | A | A | A | A |
| 409040347 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409041847 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409042654 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409040593 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409041686 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409043835 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409043175 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> C<br> D<br> A | A | A | A | A | A |
| 409040357 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409040216 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409039964 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041735 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042824 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> B | A | A | A | A | A |
| 409042481 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A<br> B | A | A | A | A | A<br> B |
| 409043444 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409042531 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409040586 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409044025 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042073 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409039943 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409039979 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409043431 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409038282 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409044445 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044534 |  |  | $XXXXXX<br> A | B | B | B | B | B<br> A | B | B | B | B | B<br> A |
| 409044538 |  |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409044502 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044532 |  |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 409044508 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044503 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044562 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044462 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044496 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044470 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044542 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044517 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044499 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044559 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044531 |  |  | $XXXXXX<br> A | D | D | D | D | D<br> A | B | B | B | B | B<br> A |
| 409044488 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044511 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044489 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044491 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044492 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042679 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043906 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409041094 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409041488 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409044171 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042832 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409042122 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409043089 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041687 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409042823 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409042423 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042571 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409039984 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042429 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042779 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043452 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> B | A | A | A | A | A |
| 409043837 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042301 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409039451 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040855 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042828 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409044022 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409040877 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409040978 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042728 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043377 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409042240 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409045015 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043273 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409041740 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041705 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409040591 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042742 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409042826 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042760 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042451 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042616 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409043099 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043578 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040026 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409040025 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409040023 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409042189 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409043496 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041850 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409042855 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042281 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042847 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040474 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042622 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043091 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409042767 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042771 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042848 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041474 | XXXXX |  | $XXXXXX<br> C | D | D | D | D | D<br> C<br> B | A | A | A | A | A<br> B |
| 409042631 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409042570 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042291 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040921 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409043265 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409043268 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409032986 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041563 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409041741 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409041760 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042244 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409042455 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042576 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409043500 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042134 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409041723 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409042238 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409042762 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044637 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042765 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041158 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042908 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409043053 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042271 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044028 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | B | B | B | B | B<br> A |
| 409045424 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A<br> B | B | B | B | B | B<br> A |
| 409041768 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040374 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409041154 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044655 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043066 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409042278 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A | A | A | A | A | A |
| 409043897 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409043576 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> D<br> A | A | A | A | A | A |
| 409043270 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409040227 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043439 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409044398 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043564 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409039297 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409043859 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409032350 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409032353 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409032366 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409032341 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041162 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409042239 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042446 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043402 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043786 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044043 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409045660 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044653 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409041496 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044049 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042330 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409042472 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043421 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044616 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409042549 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042858 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409043174 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 409045649 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043714 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045606 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409039521 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409040587 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409041131 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041533 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409041672 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409041679 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409042207 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042280 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 409042658 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043506 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043529 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043535 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044575 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044693 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045261 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045332 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042137 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043533 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044646 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A | A | A | A | A | A |
| 409042548 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043499 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> B | A | A | A | A | A<br> B |
| 409041721 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042227 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409043121 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A | B | B | B | B | B<br> A |
| 409042447 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409045985 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046054 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045643 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043692 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046040 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043530 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043389 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042705 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042700 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042707 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042703 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042581 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> B | A | A | A | A | A |
| 409043134 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409044338 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045331 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409046118 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045989 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043914 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409046127 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409046131 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042841 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042863 | XXXXX |  | $XXXXXX<br> A | D | D | D | D | D<br> A | A | A | A | A | A |
| 409039271 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409041859 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409042559 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409042563 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409042663 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 409043878 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044229 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044331 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041676 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | B | B | B | B | B<br> A |
| 409042684 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043424 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409045211 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409044339 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042411 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042059 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409044645 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | B | B | B | B | B<br> A |
| 409044199 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041501 | XXXXX |  | $XXXXXX<br> C | D | D | D | D | D<br> A<br> B | A | A | A | A | A<br> B |
| 409041540 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046075 | XXXXX |  | $XXXXXX<br> C | B | B | B | B | B<br> A<br> C | A | A | A | A | A<br> B |
| 409046124 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409041507 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409041819 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042277 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046084 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409043780 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409044609 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043848 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409045566 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A<br> B | A | A | A | A | A<br> B |
| 409046132 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045631 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409042126 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042323 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409042611 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409044611 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045453 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409041746 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042267 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045239 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045438 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044161 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044624 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409044689 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045955 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409043515 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> B | A | A | A | A | A |
| 409041688 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044044 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042287 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042906 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043577 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409042478 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043886 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409040472 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041565 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409042333 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042904 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045536 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409041538 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | A | A | A | A | A<br> B |
| 409046384 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045488 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409032347 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409045398 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409042169 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409042358 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409042419 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409042672 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409045251 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> B | A | A | A | A | A<br> B |
| 409042711 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046381 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409046058 | XXXXX |  | $XXXXXX<br> C | B | B | B | B | B<br> A<br> C | A | A | A | A | A<br> B |
| 409046185 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409045395 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046303 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409042322 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042105 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042514 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043766 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043831 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409045986 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046077 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044207 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041717 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043884 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043696 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043550 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409046739 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409043477 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044691 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409044674 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409043762 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045421 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409040517 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409043063 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043064 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043269 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409044035 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044054 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409045009 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045323 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409045414 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043769 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409047001 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045301 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042583 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409042537 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044438 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044385 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045014 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045776 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045801 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409046731 | XXXXX |  | $XXXXXX<br> C | B | B | B | B | B<br> A<br> C | A | A | A | A | A |
| 409046733 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | B | B | B | B | B<br> A |
| 409042921 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044399 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409045362 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045516 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045554 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045709 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | B | B | B | B | B<br> A |
| 409041483 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043898 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044402 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A | A | A | A | A | A |
| 409045383 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046096 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409045642 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409046092 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046217 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409043908 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046197 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041754 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042520 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409043255 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409043549 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A | A | A | A | A | A |
| 409043711 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043758 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044153 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045204 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045389 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409041016 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409042444 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042822 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409043200 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409043416 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043873 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044167 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409044169 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045621 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045704 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 409046162 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045681 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042139 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409042254 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 409043263 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043271 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409044174 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409045317 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046224 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043261 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409044650 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042263 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045322 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043829 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> C | A | A | A | A | A |
| 409045579 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043509 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409045303 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409043693 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409046958 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409042463 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043502 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409042527 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409044037 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045007 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409045248 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409043587 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 409045013 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409047539 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046000 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046001 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046161 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409042312 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043079 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409043466 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> C<br> D<br> A | A | A | A | A | A |
| 409043541 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409043845 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044222 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409045965 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046277 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043119 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409046108 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045490 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A | B | B | B | B | B<br> A |
| 409047550 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044372 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409045314 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045401 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045403 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409047557 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409047560 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045408 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046202 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045404 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409047536 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 409047547 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045456 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409047562 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046392 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044205 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045335 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045461 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045783 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409044420 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409046382 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045315 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409041579 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 409041714 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409044159 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045016 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409047009 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 409045484 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042234 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409043901 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409042775 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409045440 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043461 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043414 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409041823 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409043716 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045045 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045578 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409047453 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043573 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 409043865 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409045018 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045024 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045148 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045544 | XXXXX |  | $XXXXXX<br> B | C | C | C | C | C<br> A | A | A | A | A | A |
| 409046083 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046974 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045263 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409042722 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043738 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043839 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | B | B | B | B | B<br> A |
| 409043876 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 409045372 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045451 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045497 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046097 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409046258 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409045257 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409047505 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409049091 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409047511 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409047605 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409046149 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409045569 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409045549 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045229 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409049299 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 409046410 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 409042735 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043485 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409045044 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 409045685 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409046023 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046036 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045366 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045215 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045396 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045415 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> C<br> A | A | A | A | A | A |
| 409045665 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 409047767 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409046135 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409044403 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409045038 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045478 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046318 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043087 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409043260 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045522 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045539 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044337 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409047493 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409045049 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 409046255 | XXXXX |  | $XXXXXX<br> B | B | B | B | B | B<br> A | A | A | A | A | A |
| 409046082 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 409046333 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045629 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A | A | A | A | A | A |
| 409043521 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409049289 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409047460 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043116 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 409042449 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409045279 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409047776 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409047400 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> B<br> A | B | B | B | B | B<br> A |
| 409043858 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409045399 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043181 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046106 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409047510 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046921 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046995 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045570 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A<br> B |
| 409045565 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> D | A | A | A | A | A<br> B |
| 409046914 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 409047525 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 409047769 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409047006 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044323 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409043879 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409042565 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 409049899 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409043486 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409044683 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 409045479 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 409046401 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409047955 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409046912 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 409045081 |  | XXXXX | $XXXXXX<br> A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 409045066 |  | XXXXX | $XXXXXX<br> A | N/A | N/A | N/A | N/A | N/A<br> D | N/A | N/A | N/A | N/A | N/A |
| 409045106 |  | XXXXX | $XXXXXX<br> D | N/A | N/A | N/A | N/A | N/A<br> D | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.12

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 409016537 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409021080 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409025217 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409021271 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026316 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 409024622 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026118 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409026600 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026621 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 409035342 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409035250 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 409035213 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409035338 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035339 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 409035238 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409032408 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0556 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0556 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409030605 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035260 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035293 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035303 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035310 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409030616 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409026250 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409032425 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0435 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0435 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409031619 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031212 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409031106 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409031229 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409032849 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409032224 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 999 |  |
| 409027008 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409032335 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 409032357 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409029278 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 409034036 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409032150 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409025438 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044447 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 409034118 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409031669 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409033352 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409034032 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409033273 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409032761 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409034037 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409034278 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409036699 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409037305 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0417 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409035204 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409038984 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 409034298 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409032418 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409034275 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 409032753 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031664 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409033521 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409039026 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0250 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0250 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409039233 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409040361 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 409037262 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409040364 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409035405 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 409032957 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 409037191 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409037667 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409038460 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409039721 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409037643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409034041 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409040607 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409038277 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 409040325 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409040320 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0929 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0929 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409040315 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409037934 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409040882 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0967 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0967 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 409040887 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 409038926 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0558 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0558 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409040537 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409040295 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409040296 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409040203 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 409039790 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409039975 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041526 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409040894 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 409037646 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409039424 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 409040290 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409039760 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409039170 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 409040020 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409038558 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409040446 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0897 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0897 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041163 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409044520 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044566 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044528 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044500 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044449 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 409044451 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409044558 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409044453 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044513 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044454 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 409044561 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409044514 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 409044525 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0787 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0787 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 409044501 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 409044541 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044546 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0816 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0816 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 409044516 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409044557 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409044522 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044515 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409044569 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409044526 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044463 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044464 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044465 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409044497 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409044468 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044472 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409044474 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044475 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044476 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044480 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409044482 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 409044505 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044518 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409040006 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0789 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0789 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409041021 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409040533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0505 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0505 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409042015 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409042029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409040431 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042230 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409040384 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409039210 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409040201 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409040959 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 409041128 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 409042300 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409041818 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409040341 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409044568 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409044548 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044494 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409044448 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409044567 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044551 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409044452 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409044509 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044510 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044456 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409044457 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044459 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409044467 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409044565 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044469 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044506 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 409044521 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409044477 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.1023 | Desk Review |  |  |  |  | $XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | XXX | -.1023 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 409044560 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 409044547 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044483 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 409044512 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044487 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409044533 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409038524 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409039931 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409041994 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409040982 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409039956 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0026 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0026 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409040916 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409039589 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409041863 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409042152 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409040233 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042652 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042660 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 409040553 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409039749 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 409040973 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0714 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409040967 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409040960 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0698 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042266 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042264 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041519 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041517 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041518 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042891 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041457 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409039861 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041722 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042018 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0769 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 409043441 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0676 | 1025 Small Residential Income Report | XXX | XXX | -.1216 | Desk Review | $XXX | XXX | .0676 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | $XXX | XXX | -.1216 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042192 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409040265 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0714 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041807 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409041041 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409042335 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409040621 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 409042204 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042108 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042035 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409044446 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409044564 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044504 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409044530 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 409044544 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 409044450 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409044539 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 409044455 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 409044537 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 409044458 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044461 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409044549 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 409044466 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044507 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044498 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 409044471 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409044473 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044535 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409044524 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409044545 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 409044478 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044479 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 409044552 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409044481 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 409044540 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 409044550 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044484 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044485 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 409044529 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044527 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044490 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044495 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409044493 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409041877 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409039250 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043432 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409043703 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042146 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 409039372 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409040347 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041847 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 409042654 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 409040593 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409041686 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0667 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409043835 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 409043175 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409040357 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 409040216 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409039964 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041735 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409042824 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042481 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| 409043444 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409042531 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409040586 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409044025 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042073 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 409039943 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0714 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| 409039979 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043431 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409038282 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409044445 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409044534 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409044538 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044502 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409044532 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044508 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409044503 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409044562 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409044462 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409044496 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044470 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044542 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044517 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044499 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044559 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409044531 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409044488 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409044511 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044489 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044491 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409044492 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042679 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 409043906 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 409041094 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0848 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0848 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409041488 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409044171 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042832 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042122 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043089 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041687 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042823 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042423 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042571 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409039984 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409042429 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042779 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409043452 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043837 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409042301 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0171 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0171 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409039451 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409040855 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042828 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409044022 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 409040877 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 409040978 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 409042728 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 409043377 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409042240 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409045015 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043273 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409041740 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041705 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | -.2373 | Desk Review | $XXX | XXX | .0169 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | XXX | -.2373 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 409040591 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0507 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0507 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409042742 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409042826 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042760 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042451 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042616 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043099 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409043578 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 409040026 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0244 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0244 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409040025 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409040023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042189 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 409043496 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041850 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 409042855 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409042281 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409042847 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409040474 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042622 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 409043091 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042767 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042771 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042848 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 409041474 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 409042631 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409042570 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042291 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409040921 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409043265 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043268 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409032986 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409041563 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409041741 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041760 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 409042244 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 409042455 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042576 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409043500 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042134 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409041723 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409042238 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409042762 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044637 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042765 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409041158 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042908 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409042271 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409044028 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409045424 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409041768 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409040374 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409041154 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409044655 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 409043066 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 409042278 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043897 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043576 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409043270 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 409040227 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409043439 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044398 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043564 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409039297 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043859 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409032350 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409032353 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409032366 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409032341 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041162 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409042239 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 409042446 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043402 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409043786 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409044043 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409045660 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409044653 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041496 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044049 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409042330 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409042472 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043421 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044616 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409042549 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 409042858 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409043174 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409045649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043714 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045606 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409039521 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409040587 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041131 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409041533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409041672 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409041679 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409042207 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409042280 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 409042658 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409043506 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043529 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043535 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044575 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409044693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409045261 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045332 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042137 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409043533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044646 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409042548 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409043499 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0372 | AVM | XXX | XXX | .0000 | Desk Review |  |  |  |  |  | $XXX | $XXX | .0372 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 409041721 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042227 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043121 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 409042447 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409045985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0966 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0966 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409046054 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 409045643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 409043692 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409046040 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 409043530 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043389 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042705 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042700 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042707 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042703 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042581 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043134 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409044338 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045331 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409046118 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045989 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043914 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409046127 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 409046131 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 409042841 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042863 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409039271 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041859 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 409042559 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042563 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409042663 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 409043878 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 409044229 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409044331 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041676 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 409042684 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043424 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | JRW Appraisal Service | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045211 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 409044339 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 409042411 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409042059 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044645 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409044199 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409041501 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409041540 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 409046075 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 409046124 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409041507 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409041819 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 409042277 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409046084 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043780 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044609 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409043848 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045566 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 409046132 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045631 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 409042126 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 409042323 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 409042611 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409044611 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409045453 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409041746 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042267 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045239 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409045438 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409044161 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409044624 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044689 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 409045955 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043515 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409041688 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 409044044 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 409042287 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042906 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043577 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 409042478 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043886 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409040472 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409041565 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042333 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042904 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409045536 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409041538 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0899 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0899 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409046384 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045488 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 409032347 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045398 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 409042169 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042358 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042419 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042672 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045251 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042711 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 409046381 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409046058 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 409046185 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 409045395 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0879 | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409046303 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 409042322 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042105 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042514 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409043766 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043831 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045986 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046077 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044207 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409041717 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409043884 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0308 | 1004 URAR |  |  |  |  | $XXX | XXX | .0308 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 409043696 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043550 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046739 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043477 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409044691 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044674 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409043762 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045421 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409040517 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 409043063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043064 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043269 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 409044035 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409044054 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409045009 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045323 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045414 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043769 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409047001 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 409045301 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042583 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042537 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 409044438 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044385 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045014 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0577 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0577 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045776 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045801 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409046731 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 409046733 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 409042921 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044399 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0976 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0976 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045362 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409045516 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409045554 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045709 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409041483 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 409043898 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044402 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409045383 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409046096 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409045642 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409046092 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 409046217 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043908 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409046197 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409041754 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409042520 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409043255 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409043549 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043711 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043758 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409044153 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409045204 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045389 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409041016 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409042444 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409042822 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 409043200 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043416 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 409043873 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409044167 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409044169 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0411 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0411 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409045621 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409045704 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046162 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409045681 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042139 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 409042254 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 409043263 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043271 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 409044174 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 409045317 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046224 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043261 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044650 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409042263 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 409045322 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043829 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409045579 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043509 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409045303 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409043693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409046958 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 409042463 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043502 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409042527 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409044037 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409045007 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409045248 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043587 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | -.0133 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409045013 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409047539 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046000 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046001 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046161 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042312 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043079 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043466 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 409043541 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043845 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409044222 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 409045965 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 409046277 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043119 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046108 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045490 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409047550 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409044372 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045314 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 409045401 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045403 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409047557 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409047560 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045408 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046202 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045404 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409047536 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409047547 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045456 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 409047562 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0405 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0405 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409046392 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409044205 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045335 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045461 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 409045783 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044420 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409046382 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409045315 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409041579 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409041714 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409044159 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045016 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409047009 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045484 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409042234 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043901 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409042775 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409045440 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 409043461 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409043414 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409041823 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0952 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0952 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409043716 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045045 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 409045578 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0659 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0659 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409047453 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043573 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409043865 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045018 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045024 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045148 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409045544 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 409046083 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 409046974 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409045263 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409042722 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043738 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043839 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409043876 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0541 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0541 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409045372 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045451 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 409045497 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046097 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046258 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045257 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.6 |  |
| 409047505 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 409049091 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 409047511 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409047605 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409046149 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409045569 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409045549 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409045229 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409049299 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046410 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409042735 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409043485 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 409045044 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409045685 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 409046023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046036 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045366 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045215 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045396 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0909 | Desk Review |  |  |  |  | $XXX | XXX | .2045 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | -.0713 | 79.0 | 0.21 | XXX | XXX | XX/XX/XXXX | $XXX | XXX | -.0909 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045415 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045665 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409047767 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409046135 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 409044403 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409045038 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409045478 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046318 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409043087 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 409043260 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409045522 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409045539 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0302 | 95.0 | 0.5 | XXX | XXX | XX/XX/XXXX | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 409044337 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409047493 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045049 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409046255 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409046082 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409046333 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045629 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409043521 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409049289 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409047460 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043116 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042449 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409045279 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 409047776 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409047400 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0005 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0005 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409043858 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409045399 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409043181 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409046106 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409047510 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409046921 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409046995 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045570 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045565 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409046914 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 409047525 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409047769 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409047006 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409044323 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 409043879 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409042565 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409049899 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0789 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0789 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| 409043486 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409044683 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 409045479 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0526 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 409046401 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409047955 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409046912 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409045081 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409045066 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | XXX% | XXX% | $XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 409045106 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | XXX% | XXX% | $XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.13

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **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)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 409016537 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.40 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409021080 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025217 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409021271 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.63 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026316 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024622 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.112 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026118 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026600 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.13 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026621 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035342 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.40 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035250 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035213 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035338 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035339 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035238 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032408 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.71 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030605 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035260 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035293 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 3 | 3 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035303 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035310 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030616 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.33 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026250 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409032425 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031619 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.85 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409031212 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031106 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.87 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031229 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032849 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.18 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032224 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.06 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027008 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032335 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032357 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | XXX | Yes | XXX | 1 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029278 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409034036 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409032150 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.99 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025438 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.79 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044447 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409034118 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031669 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033352 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409034032 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033273 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.23 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032761 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409034037 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409034278 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 2.02 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409036699 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.12 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037305 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | Yes | XXX | 0 | 2 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035204 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038984 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409034298 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.39 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032418 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409034275 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032753 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.53 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031664 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033521 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039026 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.76 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039233 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040361 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037262 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.48 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040364 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409035405 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.34 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032957 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.40 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037191 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037667 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.87 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038460 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039721 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037643 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409034041 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040607 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | Other Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.51 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409038277 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040325 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040320 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.022 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040315 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409037934 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040882 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.42 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040887 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.37 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038926 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.11 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409040537 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040295 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040296 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040203 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039790 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.32 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039975 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.45 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041526 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.22 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040894 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409037646 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.54 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039424 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.63 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040290 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039760 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No |  | XXX | 1.88 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039170 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040020 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038558 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.80 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409040446 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041163 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044520 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044566 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044528 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044500 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044449 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044451 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044558 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044453 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044513 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044454 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044561 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044514 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044525 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044501 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044541 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Qualifying DTI Exceeds 43% | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044546 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044516 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044557 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044522 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044515 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044569 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044526 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044463 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044464 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044465 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 1 | 1 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044497 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044468 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044472 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044474 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044475 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044476 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044480 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044482 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044505 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044518 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040006 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.87 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042019 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.24 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409041021 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040533 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.87 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042015 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.60 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409042029 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.60 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409040431 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.20 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042230 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.94 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040384 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039210 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040201 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.86 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409040959 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.11 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409041128 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.83 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042300 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 2 | 0 | 0 |  | XXX | XXX |
| 409041818 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.17 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040341 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.20 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044568 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044548 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044494 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044448 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044567 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044551 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044452 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044509 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044510 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044456 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044457 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044459 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044467 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044565 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044469 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044506 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044521 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 1 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044477 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044560 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044547 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044483 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044512 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044487 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 1 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044533 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038524 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.43 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039931 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041994 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040982 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039956 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040916 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.18 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039589 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.29 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041863 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042152 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.39 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409040233 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.33 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042652 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042660 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040553 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.43 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039749 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040973 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.36 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040967 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.40 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040960 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.65 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042266 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  |  | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.24 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409042264 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 2.85 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409041519 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.34 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409041517 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.15 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409041518 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.01 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409042891 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.41 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409041457 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.33 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039861 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409041722 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.90 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042018 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043441 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.77 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042192 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040265 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.55 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409041807 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041041 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.85 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042335 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040621 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.38 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042204 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.58 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042108 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.34 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042035 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.46 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044446 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044564 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044504 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044530 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044544 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044450 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044539 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044455 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044537 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044458 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | Yes | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044461 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044549 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044466 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044507 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044498 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044471 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044473 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044535 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044524 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044545 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044478 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044479 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044552 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044481 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044540 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044550 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044484 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044485 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044529 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044527 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044490 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044495 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044493 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | No | Yes | XXX | No |  | 0 | 1 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041877 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039250 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043432 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.62 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043703 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042146 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039372 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040347 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.35 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041847 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.96 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042654 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.30 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040593 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041686 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.25 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043835 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043175 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040357 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040216 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409039964 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041735 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042824 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042481 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043444 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.50 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042531 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409040586 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044025 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.82 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409042073 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039943 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039979 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.21 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043431 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.61 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409038282 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044445 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044534 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044538 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044502 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044532 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044508 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044503 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044562 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044462 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044496 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409044470 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044542 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044517 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044499 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044559 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044531 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044488 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044511 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044489 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044491 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044492 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042679 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.12 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043906 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041094 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041488 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044171 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.60 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042832 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042122 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.20 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043089 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041687 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.48 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042823 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042423 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.09 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042571 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.27 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039984 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042429 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.74 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042779 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043452 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.17 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043837 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042301 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.59 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039451 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.69 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040855 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042828 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.06 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044022 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040877 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040978 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.06 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042728 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.81 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043377 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042240 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045015 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043273 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041740 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.28 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041705 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040591 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042742 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042826 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409042760 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.83 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042451 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.92 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042616 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043099 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX | XX/XX/XXXX | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043578 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040026 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409040025 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.10 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409040023 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409042189 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043496 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.96 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 1 | 0 |  | XXX | XXX |
| 409041850 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042855 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.72 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042281 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042847 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.64 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040474 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.50 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042622 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043091 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042767 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.80 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042771 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.86 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042848 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.84 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041474 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.25 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042631 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042570 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.45 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042291 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.21 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040921 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043265 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043268 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.90 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032986 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041563 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.18 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409041741 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.51 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041760 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.53 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042244 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409042455 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.86 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042576 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.74 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043500 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.61 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042134 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041723 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042238 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.10 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409042762 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.94 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044637 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042765 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041158 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.25 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042908 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.06 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043053 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042271 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.27 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044028 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045424 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041768 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.56 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040374 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409041154 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.18 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044655 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043066 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042278 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.13 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043897 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Max Amount |  |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043576 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043270 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409040227 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043439 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044398 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043564 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039297 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409043859 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.75 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032350 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.25 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032353 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.75 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032366 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.30 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032341 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.99 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041162 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.30 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042239 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042446 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.21 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043402 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.46 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043786 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044043 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045660 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044653 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.12 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041496 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044049 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042330 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.55 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042472 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043421 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044616 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409042549 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.89 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042858 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.42 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043174 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045649 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.35 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043714 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.48 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045606 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039521 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.12 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040587 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041131 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041533 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.50 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041672 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041679 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042207 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Basic | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042280 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409042658 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043506 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.88 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043529 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043535 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044575 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.44 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044693 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.23 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409045261 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.00 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045332 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.17 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042137 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043533 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044646 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042548 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043499 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041721 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.63 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042227 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.64 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043121 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042447 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045985 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046054 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.38 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045643 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043692 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046040 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043530 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409043389 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409042705 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409042700 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.13 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409042707 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.09 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409042703 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409042581 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409043134 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044338 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045331 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409046118 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045989 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043914 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.77 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046127 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.56 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046131 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.48 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042841 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.72 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042863 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409039271 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409041859 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Loan Term Exceeds 30 Years | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042559 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.37 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042563 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042663 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043878 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044229 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044331 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041676 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042684 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.29 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043424 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.06 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045211 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.39 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044339 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.86 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042411 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.34 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042059 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | 0.99 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409044645 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044199 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041501 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041540 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.24 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046075 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046124 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041507 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041819 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.88 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042277 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046084 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043780 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044609 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043848 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.36 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045566 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.11 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046132 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.50 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045631 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042126 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042323 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042611 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  | XXX | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 3 | 3 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044611 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045453 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041746 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.56 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042267 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.45 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045239 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 1 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045438 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044161 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.35 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044624 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044689 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045955 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.38 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043515 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program Of Nfip | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041688 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044044 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 2.77 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042287 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042906 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.44 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043577 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042478 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.36 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043886 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040472 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.24 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041565 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program Of Nfip | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.94 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042333 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042904 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045536 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.28 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041538 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046384 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.34 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045488 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.43 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032347 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.08 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045398 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042169 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042358 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042419 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.88 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042672 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.22 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045251 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042711 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046381 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.09 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046058 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046185 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | 1.19 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045395 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.60 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046303 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042322 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042105 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.06 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042514 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043766 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.22 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043831 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045986 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  | Yes |  | No | XXX | XXX | 1.91 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046077 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program Of Nfip | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044207 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409041717 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.02 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043884 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043696 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 1 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043550 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046739 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.46 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043477 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044691 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044674 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043762 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045421 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.84 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409040517 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043063 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043064 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043269 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 7/1 or 7/6 Mos ARM | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044035 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.36 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044054 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045009 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045323 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Max Amount |  |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.95 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045414 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043769 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.25 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047001 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045301 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.06 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042583 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042537 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 0.94 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044438 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409044385 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045014 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.69 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045776 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Federal Flood Insurance Is Available (community The Nfip). Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.56 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045801 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.27 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046731 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046733 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042921 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.12 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044399 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045362 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.13 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045516 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045554 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.33 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045709 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041483 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043898 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.69 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044402 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045383 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.49 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046096 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Federal Flood Insurance Is Available (community The Nfip). Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.60 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045642 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.83 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046092 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046217 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043908 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409046197 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409041754 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.47 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042520 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043255 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043549 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409043711 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409043758 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program: X | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044153 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045204 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program Of Nfip | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045389 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.30 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041016 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042444 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.18 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042822 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409043200 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043416 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 1 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043873 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.46 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044167 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044169 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.32 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045621 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045704 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046162 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.82 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045681 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042139 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.63 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042254 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043263 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program: X Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409043271 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044174 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | "[x] Regular Program" | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.21 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045317 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.39 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046224 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.08 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043261 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044650 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042263 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045322 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.67 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043829 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.29 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045579 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043509 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045303 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.15 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043693 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046958 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042463 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 2.90 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043502 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042527 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044037 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045007 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045248 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.83 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409043587 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045013 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.17 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047539 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.88 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046000 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046001 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.21 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046161 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042312 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043079 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program Of Nfip | $XXX | XX/XX/XXXX | XXX |  | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.23 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043466 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043541 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.67 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043845 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.72 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044222 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045965 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046277 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043119 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 3.46 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046108 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.11 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045490 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047550 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044372 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045314 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045401 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045403 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047557 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.23 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047560 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.46 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045408 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046202 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045404 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047536 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047547 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.79 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045456 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047562 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 6.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.34 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046392 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | No |  |  |  |  |  |  |  |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044205 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.54 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045335 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045461 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045783 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.37 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044420 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.43 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046382 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.34 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045315 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041579 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041714 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044159 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045016 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.63 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047009 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045484 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409042234 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043901 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042775 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX |  | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045440 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043461 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.17 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043414 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.54 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409041823 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043716 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045045 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.12 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045578 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409047453 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.15 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043573 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 20 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043865 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.09 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045018 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.08 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045024 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.19 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045148 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045544 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046083 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046974 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045263 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042722 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | Invalid format configured |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.32 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043738 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.30 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043839 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043876 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045372 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045451 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.83 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045497 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409046097 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.48 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046258 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045257 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047505 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409049091 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047511 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.27 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047605 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046149 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045569 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.42 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045549 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045229 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.34 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409049299 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046410 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042735 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043485 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045044 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045685 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | Yes | No | XXX | No |  | 1 | 1 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046023 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046036 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045366 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.29 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045215 | XXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045396 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.52 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045415 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045665 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047767 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046135 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.55 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044403 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045038 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045478 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046318 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043087 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043260 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045522 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409045539 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044337 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047493 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.33 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045049 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.04 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046255 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046082 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046333 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045629 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409043521 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.38 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409049289 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.17 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047460 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043116 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.58 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042449 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.88 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045279 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Basic | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047776 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 1 | 1 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047400 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043858 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045399 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.14 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043181 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.04 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046106 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.90 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047510 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046921 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.36 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046995 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.22 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045570 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.30 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409045565 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX |  | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.36 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409046914 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047525 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047769 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.86 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047006 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.82 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044323 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXXXX |  |  |  | XXX |  | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043879 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409042565 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409049899 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.09 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409043486 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409044683 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045479 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046401 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.41 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409047955 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409046912 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.97 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045081 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.22 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045066 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 40 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409045106 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.11 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |

---

## Exhibit 99.14

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Appraisal Company** | **Appraiser Name** | **Appraiser Cert or License Number** | **Number of Units** | **Property Type** | **Appraisal Occupancy** | **Neighborhood Location** | **Project Condo Classification** | **Property Listed in Past 12 Months** | **Property Listed for Sale Date** | **Months Since Last Listing** | **DSCR at Orign** | **Back DTI Ratio** | **Short Term Rental Flag** | **LLC Flag** | **Personal Guarantee Flag** | **Guaranteed Percentage** | **Primary Borrower Type** | **Vested Business Entity Name** | **ITIN Flag** |
| 409016537 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.39 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409021080 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409025217 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409021271 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.88 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409026316 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409024622 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | No |  | XXX |  | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409026118 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409026600 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.13 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409026621 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409035342 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Suburban |  | No |  |  | 1.39 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409035250 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409035213 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409035338 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409035339 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409035238 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  |  |  | XXX |  | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409032408 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.71 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409030605 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.28 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409035260 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409035293 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409035303 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409035310 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409030616 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.26 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409026250 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX | 1.08 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409032425 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409031619 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes |  |  | 0.85 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409031212 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.07 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409031106 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.87 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409031229 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409032849 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.18 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409032224 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX | 1.06 | XXX | Yes | No | Yes | Full Recourse | Individuals |  | 0 |
| 409027008 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.07 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409032335 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409032357 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409029278 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409034036 | XXX | XXX | XXX | 1 | Condominium | Tenant | Urban | Non-Warrantable | No |  |  | 1.05 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409032150 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  | 1.23 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409025438 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  | 1.79 | XXX | Yes | No | N/A | N/A | Individuals |  | 0 |
| 409044447 | XXX | XXX | XXX | 1 | Single Family | Vacant | Rural |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409034118 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409031669 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409033352 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.07 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409034032 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409033273 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  | 1.23 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409032761 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409034037 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.01 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409034278 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 2.02 | XXX | Yes | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409036699 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.12 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409037305 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409035204 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409038984 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409034298 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.39 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409032418 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409034275 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409032753 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | No |  |  | 1.53 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409031664 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409033521 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409039026 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | Yes | XXX | XXX | 1.76 | XXX | No | Yes | Yes | Missing | Individual for Business Entity | XXX | 0 |
| 409039233 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040361 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409037262 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  | 1.48 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040364 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.16 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409035405 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.34 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409032957 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.40 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409037191 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409037667 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 0.87 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409038460 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409039721 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes |  |  | 1.01 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409037643 | XXX | XXX | XXX | 1 | Condominium | Tenant | Urban | Warrantable | No |  |  | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409034041 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and with POA |  | 0 |
| 409040607 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | Yes | XXX | XXX | 1.51 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409038277 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040325 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040320 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.02 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040315 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409037934 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409040882 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.42 | XXX | Yes | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040887 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.22 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409038926 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.11 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040537 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040295 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040296 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040203 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409039790 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.32 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409039975 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes |  |  |  | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041526 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.22 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409040894 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals and with POA |  | 0 |
| 409037646 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.54 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409039424 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.63 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040290 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.10 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409039760 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.88 | XXX | Yes | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409039170 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  | 1.26 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040020 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409038558 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  | 0.80 | XXX | No | No | N/A | N/A | Individuals and with POA |  | 0 |
| 409040446 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Urban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041163 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044520 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044566 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | No |  | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044528 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044500 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044449 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409044451 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044558 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044453 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | No |  | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044513 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044454 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044561 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044514 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044525 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044501 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044541 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044546 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044516 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044557 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044522 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044515 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044569 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044526 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044463 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044464 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044465 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044497 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044468 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044472 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044474 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044475 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044476 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044480 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044482 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044505 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044518 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040006 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.87 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042019 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | No |  |  | 1.24 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041021 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040533 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 0.87 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042015 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | Yes |  |  | 1.60 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042029 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | Yes |  |  | 1.60 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040431 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.20 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042230 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 0.94 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409040384 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409039210 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040201 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes | XXX | XXX | 0.86 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409040959 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | Yes | XXX | XXX | 1.11 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041128 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.83 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042300 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.28 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041818 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.17 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040341 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.20 | XXX | Yes | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044568 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044548 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals as Trustee |  | 0 |
| 409044494 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044448 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044567 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044551 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044452 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044509 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044510 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044456 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044457 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044459 | XXX | XXX | XXX | 1 | Single Family | Vacant | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044467 | XXX | XXX | XXX | 1 | PUD | Owner | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044565 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044469 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044506 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044521 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044477 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044560 | XXX | XXX | XXX | 1 | PUD | Owner | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044547 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044483 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044512 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044487 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044533 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409038524 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.43 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409039931 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX |  | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041994 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040982 | XXX | XXX | XXX | 1 | PUD | Vacant | Rural |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409039956 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040916 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.18 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409039589 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.29 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041863 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042152 | XXX | XXX | XXX | 1 | Condominium | Vacant | Urban | Warrantable | Yes | XXX | XXX | 1.39 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409040233 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes |  |  | 1.33 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042652 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042660 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040553 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 1.43 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409039749 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040973 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  | 1.36 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040967 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.40 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040960 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.65 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042266 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.25 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042264 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 2.85 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041519 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.34 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041517 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.15 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041518 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 2.01 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042891 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.41 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041457 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.33 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409039861 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041722 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 0.89 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042018 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043441 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.80 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042192 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Urban |  | Yes | XXX | XXX | 1.04 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409040265 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.55 | XXX | No | No | N/A | N/A | Individuals and with POA |  | 0 |
| 409041807 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041041 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 0.84 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042335 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  | XXX | 1.10 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409040621 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes |  |  | 1.38 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042204 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.58 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042108 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.34 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042035 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 2.46 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044446 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044564 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044504 | XXX | XXX | XXX | 1 | PUD | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044530 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044544 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044450 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044539 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044455 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044537 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044458 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044461 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044549 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044466 | XXX | XXX | XXX | 1 | Condominium | Vacant | Urban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044507 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044498 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044471 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044473 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044535 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044524 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044545 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044478 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044479 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044552 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044481 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044540 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044550 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044484 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044485 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044529 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044527 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044490 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044495 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044493 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041877 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.28 | XXX | No | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409039250 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043432 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.62 | XXX | Yes | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043703 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042146 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409039372 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040347 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.35 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041847 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.96 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042654 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.30 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040593 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.08 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041686 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.25 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043835 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  | 1.01 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409043175 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040357 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.08 | XXX | Yes | No | N/A | N/A | Individuals |  | 0 |
| 409040216 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409039964 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.01 | XXX | Yes | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041735 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042824 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042481 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043444 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.50 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042531 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Non-Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409040586 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044025 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.82 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042073 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.03 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409039943 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409039979 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.21 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043431 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.60 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409038282 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.28 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044445 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044534 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044538 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044502 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044532 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409044508 | XXX | XXX | XXX | 1 | Single Family | Vacant | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044503 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044562 | XXX | XXX | XXX | 1 | Single Family | Tenant | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044462 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044496 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044470 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044542 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044517 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044499 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044559 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044531 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044488 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044511 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044489 | XXX | XXX | XXX | 1 | PUD | Vacant | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044491 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044492 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042679 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes |  |  | 1.12 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043906 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041094 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.07 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409041488 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409044171 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.60 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409042832 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042122 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.20 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043089 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Vacant | Urban |  | Yes | XXX | XXX | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041687 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.49 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042823 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042423 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.09 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042571 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.27 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409039984 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409042429 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.74 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042779 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043452 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.17 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043837 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX |  | 1.02 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409042301 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.59 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409039451 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.69 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040855 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042828 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.06 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044022 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.02 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409040877 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  | 1.02 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409040978 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes |  |  | 1.06 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042728 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  | 0.89 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409043377 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042240 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045015 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  | 1.28 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409043273 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409041740 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.28 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041705 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040591 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409042742 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042826 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Non-Warrantable | Yes | XXX | XXX | 1.26 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042760 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | No |  |  | 0.83 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042451 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.92 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042616 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043099 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.14 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043578 | XXX | XXX | XXX | 1 | PUD | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409040026 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Non-Warrantable | No |  |  | 1.10 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409040025 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Non-Warrantable | No |  |  | 1.10 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409040023 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Non-Warrantable | No |  |  | 1.10 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042189 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043496 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.96 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041850 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042855 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.72 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042281 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042847 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.64 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409040474 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Suburban |  | Yes | XXX | XXX | 1.50 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042622 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043091 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042767 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 0.80 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042771 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 0.86 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042848 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 0.84 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041474 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.25 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409042631 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409042570 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.45 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042291 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.21 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040921 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043265 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043268 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.90 | XXX | No | No | Yes | Full Recourse | Individuals and as Trustee |  | 0 |
| 409032986 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041563 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.18 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041741 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.51 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041760 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.53 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409042244 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042455 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | Yes | XXX | XXX | 1.86 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042576 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.74 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043500 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.61 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042134 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409041723 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042238 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes |  |  | 1.10 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042762 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 0.94 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044637 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.16 | XXX | No | No | Yes | Full Recourse | Individuals and as Trustee |  | 0 |
| 409042765 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041158 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.25 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042908 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.06 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043053 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No | XXX | XXX | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042271 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.27 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044028 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045424 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041768 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.56 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040374 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041154 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.18 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044655 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.04 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043066 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042278 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.13 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043897 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  | 1.07 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043576 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043270 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | No |  |  | 1.26 | XXX | Yes | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040227 | XXX | XXX | XXX | 1 | PUD | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043439 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044398 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043564 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.01 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409039297 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | Yes | XXX | XXX | 1.04 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043859 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.75 | XXX | No | No | Yes | Full Recourse | Individuals and as Trustee |  | 0 |
| 409032350 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.25 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409032353 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.75 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409032366 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.30 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409032341 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.99 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041162 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  | XXX | 1.30 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042239 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042446 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.21 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043402 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.46 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043786 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044043 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045660 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044653 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.15 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041496 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044049 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042330 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | Yes | XXX | XXX | 1.55 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042472 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043421 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.26 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044616 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Non-Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042549 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 0.89 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042858 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.42 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043174 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409045649 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | Yes | XXX | XXX | 1.35 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043714 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.48 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045606 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409039521 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 1.12 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409040587 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.31 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041131 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041533 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  | 1.50 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041672 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041679 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042207 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042280 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042658 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 1.05 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043506 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 0.88 | XXX | No | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409043529 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043535 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  | 1.14 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044575 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.44 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044693 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.23 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045261 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 2.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045332 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Owner | Suburban |  | No |  |  | 1.17 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042137 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.28 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043533 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044646 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042548 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409043499 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041721 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.63 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042227 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Rural |  | Yes | XXX | XXX | 1.64 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043121 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042447 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045985 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  | 1.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046054 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.38 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045643 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.03 | XXX | No | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409043692 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046040 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043530 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.28 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043389 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.07 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042705 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042700 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.13 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042707 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.09 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042703 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042581 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043134 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409044338 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.28 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045331 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  | 1.31 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046118 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045989 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.05 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409043914 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | Yes | XXX | XXX | 1.77 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046127 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.56 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046131 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.48 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042841 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.72 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409042863 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.10 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409039271 | XXX | XXX | XXX | 1 | Condominium | Vacant | Urban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041859 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042559 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes |  |  | 1.37 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409042563 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042663 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043878 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Non-Warrantable | Yes | XXX | XXX | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044229 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No | No | N/A | N/A | Individuals and with POA |  | 0 |
| 409044331 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.03 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041676 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042684 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.29 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409043424 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.06 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045211 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.69 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409044339 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 0.86 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042411 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.34 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042059 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 0.99 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044645 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044199 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409041501 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.04 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041540 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.24 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046075 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046124 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041507 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041819 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.88 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042277 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046084 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043780 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044609 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.28 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043848 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.36 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045566 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.11 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046132 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.50 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045631 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409042126 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.07 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042323 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042611 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and with POA |  | 0 |
| 409044611 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.31 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045453 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041746 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.56 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042267 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 2.45 | XXX | No | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409045239 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045438 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044161 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.35 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044624 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044689 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045955 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.38 | XXX | No | No | Yes | Full Recourse | Individuals and as Trustee |  | 0 |
| 409043515 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.31 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409041688 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044044 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 2.77 | XXX | No | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409042287 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042906 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.44 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043577 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042478 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Suburban |  | Yes | XXX | XXX | 1.36 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043886 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | No |  |  | 1.08 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409040472 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.24 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409041565 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 1.94 | XXX | No | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409042333 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042904 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045536 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Suburban |  | Yes | XXX | XXX | 1.28 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041538 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046384 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.34 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045488 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.43 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409032347 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 2.08 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045398 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.20 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042169 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042358 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409042419 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  | XXX | 0.88 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409042672 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | Yes | XXX | XXX | 1.22 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045251 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042711 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046381 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.09 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046058 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046185 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.19 | XXX | No | Yes | Yes | Missing | Individual for Business Entity | XXX | 0 |
| 409045395 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.60 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046303 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  |  | XXX |  | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042322 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042105 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.06 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042514 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.03 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043766 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.22 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043831 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045986 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.91 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046077 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.04 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044207 | XXX | XXX | XXX | 1 | Condominium | Vacant | Urban | Unable to Determine | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041717 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | Yes | XXX | XXX | 1.02 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043884 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043696 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043550 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046739 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.46 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043477 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044691 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.04 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044674 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043762 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045421 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 0.84 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409040517 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX | 1.08 | XXX | Yes | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409043063 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  | 1.10 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043064 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043269 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044035 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Suburban |  | Yes | XXX | XXX | 1.36 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044054 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.04 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045009 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045323 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.95 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045414 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043769 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.25 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409047001 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045301 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Suburban |  | Yes | XXX | XXX | 1.06 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042583 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.20 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042537 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 0.94 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044438 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Non-Warrantable | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044385 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Vacant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045014 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 2.69 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045776 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.56 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045801 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.27 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046731 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046733 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042921 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 1.12 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409044399 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Suburban |  | Yes | XXX | XXX | 1.08 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045362 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.13 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045516 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409045554 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Vacant | Urban |  | Yes | XXX | XXX | 1.33 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045709 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041483 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043898 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.69 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044402 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409045383 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.49 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409046096 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.60 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409045642 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 0.80 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409046092 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046217 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043908 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.16 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046197 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No | No | Yes | Limited Recourse | Individuals and as Trustee |  | 0 |
| 409041754 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.46 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042520 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  | 1.16 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043255 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043549 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  | 1.05 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043711 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  | 1.20 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043758 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044153 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 0.00 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409045204 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045389 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.30 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409041016 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042444 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.18 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042822 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes |  | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043200 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043416 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043873 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | Yes | XXX | XXX | 1.46 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044167 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.28 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044169 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.32 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045621 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045704 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046162 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes |  |  | 1.82 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045681 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Vacant | Urban |  | Yes |  |  |  | XXX |  | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409042139 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 1.63 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042254 | XXX | XXX | XXX | 1 | Single Family | Vacant | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043263 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043271 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044174 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.21 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409045317 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes |  |  | 1.39 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409046224 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.08 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409043261 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.03 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044650 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409042263 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.02 | XXX | No | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409045322 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.67 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043829 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | Yes | XXX | XXX | 1.29 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045579 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043509 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045303 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.15 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409043693 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.20 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046958 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042463 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 2.90 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043502 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042527 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044037 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045007 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045248 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes | XXX | XXX | 0.83 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043587 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045013 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.17 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409047539 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 0.88 | XXX | No | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409046000 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 1.14 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046001 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.21 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046161 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042312 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043079 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.23 | XXX | No | No | Yes | Full Recourse | Individuals and with POA |  | 0 |
| 409043466 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043541 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.67 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043845 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.72 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044222 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045965 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046277 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.05 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043119 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 3.46 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046108 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.11 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045490 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409047550 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044372 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045314 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045401 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | Yes | Full Recourse | Individuals |  | 0 |
| 409045403 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | Yes | Full Recourse | Individuals |  | 0 |
| 409047557 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.23 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409047560 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.46 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045408 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | Yes | Full Recourse | Individuals |  | 0 |
| 409046202 | XXX | XXX | XXX | 1 | PUD | Vacant | Urban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045404 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | Yes | Full Recourse | Individuals |  | 0 |
| 409047536 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409047547 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 1.79 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045456 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409047562 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.34 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046392 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044205 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.54 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045335 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.04 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045461 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045783 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.37 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044420 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.43 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409046382 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.34 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045315 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041579 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409041714 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044159 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045016 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.63 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409047009 | XXX | XXX | XXX | 1 | Condominium | Vacant | Urban | Non-Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045484 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  | 1.07 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042234 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043901 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042775 | XXX | XXX | XXX | 2 | Condominium | Vacant | Suburban | Warrantable | Yes | XXX | XXX | 1.05 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045440 | XXX | XXX | XXX | 1 | PUD | Vacant | Urban |  | Yes | XXX | XXX | 1.05 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043461 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.17 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409043414 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  | 1.54 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409041823 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.31 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409043716 | XXX | XXX | XXX | 1 | PUD | Owner | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045045 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.12 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045578 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409047453 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.15 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409043573 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409043865 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.09 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045018 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.08 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045024 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.19 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045148 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Non-Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045544 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046083 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046974 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409045263 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | Yes | Full Recourse | Individuals |  | 0 |
| 409042722 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.32 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043738 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.30 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043839 | XXX | XXX | XXX | 1 | PUD | Owner | Urban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043876 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045372 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045451 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 0.83 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045497 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046097 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.48 | XXX | Yes | No | N/A | N/A | Individuals |  | 0 |
| 409046258 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045257 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409047505 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409049091 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409047511 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.27 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409047605 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.05 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409046149 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045569 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.42 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045549 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.14 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045229 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.34 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409049299 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  | 1.02 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409046410 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409042735 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043485 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045044 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045685 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046023 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046036 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045366 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | Yes |  |  | 1.29 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045215 | XXX | XXX | XXX | 1 | Condominium | Vacant | Urban | Warrantable | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045396 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.52 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045415 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045665 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409047767 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046135 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.55 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409044403 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  | 1.03 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045038 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045478 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046318 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.01 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043087 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043260 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.20 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045522 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045539 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409044337 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409047493 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.33 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045049 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.04 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046255 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409046082 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.28 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046333 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.03 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045629 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Warrantable | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043521 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.38 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409049289 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.17 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409047460 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.28 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409043116 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.58 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409042449 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.88 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045279 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.02 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409047776 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409047400 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043858 | XXX | XXX | XXX | 1 | Single Family | Vacant | Rural |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045399 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.14 | XXX | Yes | No | N/A | N/A | Individuals |  | 0 |
| 409043181 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.03 | XXX | No | Yes | Yes | Full Recourse | Individuals | XXX | 0 |
| 409046106 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Vacant | Urban |  | Yes | XXX | XXX | 0.90 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409047510 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | Yes |  | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046921 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.36 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409046995 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.22 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045570 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  | 1.40 | XXX | Yes | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409045565 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  | 1.36 | XXX | Yes | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409046914 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409047525 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals and as Trustee |  | 0 |
| 409047769 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 0.86 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409047006 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX | 0.82 | XXX | No | No | Yes | Full Recourse | Individuals |  | 0 |
| 409044323 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409043879 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Owner | Suburban |  | Yes | XXX | XXX | 1.03 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409042565 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 1.14 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409049899 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Urban |  | Yes | XXX | XXX | 1.09 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409043486 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.10 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409044683 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409045479 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  | No | N/A | N/A | Individuals |  | 0 |
| 409046401 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.41 | XXX | No | Yes | Yes | Full Recourse | Individual for Business Entity | XXX | 0 |
| 409047955 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.01 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409046912 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 0.97 | XXX | No | No | N/A | N/A | Individuals |  | 0 |
| 409045081 | XXX | XXX | XXX | 1 | 1- Single Family Detached (non-PUD) <br>| Tenant | Suburban | N/A |  |  |  | 1.22 | XXX | No | No | N/A | N/A | Individuals | XXX | 0 |
| 409045066 | XXX | XXX | XXX | 1 | 1- Single Family Detached (non-PUD) | Vacant | Suburban | N/A |  |  |  | 1.08 | XXX | No | Yes | N/A | N/A | Individual for Business Entity | XXX | 0 |
| 409045106 | XXX | XXX | XXX | 1 | 1- Single Family Detached (non-PUD) | Tenant | Suburban | N/A |  |  |  | 1.11 | XXX | No | Yes | N/A | N/A | Individual for Business Entity | XXX | 0 |

---

## Exhibit 99.15

![](logo_opus.jpg)

SPIRE 2026-3

Aspire Sponsor, LLC or its affiliates for the SPIRE 2026-3 transaction

## Opus Capital Markets Consultants, LLC

Westheimer Rd– Suite 1000 \| Houston, TX 77057 \| www.opuscmc.com \| 224.632.1300<br>

Narrative – SPIRE 2026-3 Page 1 of 22<br>

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### Executive Narrative

#### June 3, 2026

#### Performed by

#### Opus Capital Markets Consultants, LLC

#### For

#### Aspire Sponsor, LLC or its affiliates for the SPIRE 2026-3 transaction

The report summarizes the results of a due diligence review performed on a pool of ninety-four (94) loans provided by Aspire Sponsor, LLC ("Client") who acquired via reliance by a client of Opus who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains fifty-three (53) NQM loans and forty-one (41) ATR/QM Exempt loans, of which thirty-two (32) are DSCR loans and nine (9) are Business Purpose loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

#### Credit Review

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

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

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

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

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

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

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

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

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

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

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

#### Document Review

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

a) Collateral Docs

<br> • Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

<br> • Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

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

<br> • Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

b) Closing Docs

<br> • Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

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

<br> • Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

<br> • Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

<br> • Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

c) Credit Docs

<br> • Loan Application: Verify the presence and completeness of both the initial and final loan applications.

<br> • Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

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<br> • Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

<br> • Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

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

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

<br> • Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

<br> • Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

<br> • Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

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

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

1. The "material"1 disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part

1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration

date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from the rescission

requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the

borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and

seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID

Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

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

business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID

Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

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

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

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

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

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

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

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

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

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

10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R1024.17, respectively;

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

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

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

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

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

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

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

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

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

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

and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the

stamp does not contain the signature or initials, it must identify the name of the closing agent. b. Final Truth in Lending Disclosure ("TIL"), if applicable

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain

one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the

three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure,

must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less

than $1 are deemed to be within reasonable limits and are not to be reported.

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

Disclosure to show the final, accurate charges to the borrower.

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

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

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#### Ability to Repay and Qualified Mortgage Review
1. **<u>For Agency Eligible Loans Only</u>**: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM,

Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a

rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

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

below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3. **<u>For Non-Agency Eligible Loans</u>**: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not

Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an

interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under

the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant

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

b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors

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

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

loan.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;5. Monthly payments for property taxes and hazard/flood insurance and certain other costs

related to the property such as homeowner's association fees or ground rent. 6. Debts, alimony, and child support obligations

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements

of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not

rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

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

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client,

or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

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

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims

could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

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

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

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

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

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

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

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

<br> • Affiliated Business Disclosure

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

---

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

---

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

<br> • Initial Escrow Disclosure Statement

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

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

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

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

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

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

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

#### High-Cost, State & Local Anti-Predatory Regulations
In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

<br> • California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

<br> • Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq..

<br> • Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

<br> • Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

<br> • District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

<br> • Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

<br> • Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by H<u>ous</u>e Bill 02-1361 and as modified by Senate Bill 03-53).

<br> • Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

<br> • Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

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

<br> • Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167). City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

<br> • Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

<br> • Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

<br> • Indiana Home Loan Practic<u>es Act</u>, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

<br> • Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

<br> • Kansas Consumer Credit Code

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<br> • Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

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

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

<br> • Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

<br> • Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In<u>sti</u>t. Code §§ 11-501 et seq.; Md. Code Regs. §§ <u>0</u>9<u>.03.</u>06.01 et seq.

<br> • Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

<br> • Massachusetts Pr<u>eda</u>tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

<br> • Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

<br> • Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

<br> • Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

<br> • Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

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

<br> • Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

<br> • Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

<br> • New Jersey Home <u>Owne</u>rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

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

<br> • New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

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

<br> • New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

<br> • Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

<br> • Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp<u>le</u>m<u>en</u>ted by Ohio Admin. Rules § 109 4-3-01 et seq.

<br> • City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O<u>rd</u>i<u>nan</u>ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

<br> • Summit County, Ohio, Anti-Predatory Lending Ordi<u>na</u>n<u>ce,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

<br> • Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the

<br> • Oklahoma Consumer Credit Code.

<br> • Oklahoma Higher-Pr<u>ic</u>ed Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

<br> • Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

<br> • Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergen<u>c</u>y Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

<br> • City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

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

<br> • Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

<br> • Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq. Section 50(a)(6), Article XVI of the Texas Constitution

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<br> • Section 50(f)(2), Article XVI of the Texas Constitution

<br> • Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

<br> • Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

<br> • Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

<br> • Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

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

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

<br> • Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

<br> • Washington House Bill 2770, Mortgage Lending Ownership

<br> • West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

<br> • Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

<br> • Wyoming Credit Code

#### Flood Insurance Testing

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

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

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

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

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

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

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

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

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

a common expense.

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

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1) Misrepresentation Review and Valuation Review

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

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

<br> • Alerts: Assess credit report alerts for accuracy and potential issues.

<br> • Social Security Numbers: Compare SSN(s) across all file documents.

<br> • Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

<br> • Data Consistency: Review the documents contained in the loan file for consistency of data.

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

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

<br> • Property is complete

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

<br> • Property is described in average or better condition

<br> • No apparent appraiser independence violation statements

<br> • Appraisal addresses any adverse comments

<br> • Appraisal is completed on appropriate GSE Forms

<br> • Appraisal contains required attachments.

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

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

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

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

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

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

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

<br> • No apparent damage to the property

<br> • Property appears to be occupied

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

<br> • Appraised Value

<br> • CLTV

<br> • DTI

<br> • FICO

<br> • Interest Only

<br> • Interest Rate

<br> • Loan Term

<br> • Loan Purpose

<br> • LTV

<br> • Occupancy

<br> • Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp; Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• City

<br> • Property State

<br> • Property Type

<br> • Sales Price

• Second Mortgage Lien Amount

<br> • Self Employed

<br> • Units

<br> • Zip Code

<br> • Loan Type

<br> • QM Status

#### Rating Agency Grading Criteria

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

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

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

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

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

#### Opus Grading Criteria

1) Opus Grading Criteria

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

#### Opus Credit Grades
<br> • Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

<br> • Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

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

#### Opus Property Grades
• Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

• Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

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

#### Opus Compliance Grades
<br> • Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

• Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

<br> • Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

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#### REDACTED INFORMATION
<br> • Borrower Name

<br> • Co-Borrower Name

<br> • SSNs

<br> • Property Address, City, County, MSA, Zip

<br> • Mailing Address

<br> • Account Number, including Originator and Servicer Loan Number

<br> • Origination Date

<br> • Names of Borrowers or any other Individuals

<br> • Company and Entity Names

<br> • Financial Institution Names

<br> • Job Position Titles

<br> • Any Address

<br> • Any Location Information (other than state), including City, County, MSA and Zip

<br> • Account Numbers of any type

<br> • Insurance Claim Numbers

<br> • Insurance Policy Numbers

<br> • Foreclosure Action dates and Case Numbers

<br> • Bankruptcy Action dates and Case Numbers

<br> • Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

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

#### Borrower Underwriting:
• **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

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

• **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

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

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

• **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

• **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per

the Underwriting Guidelines.

Narrative – SPIRE 2026-3 Page 15 of 22<br>

------

• **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

#### Title Insurance Requirements are met per Guidelines only as follows
• Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines

• **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

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

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

#### Credit Document Check
<br> • Loan Application: Verify the presence and completeness of both the initial and final loan applications.

<br> • Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

<br> • Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

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

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

<br> • Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

<br> • Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

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

#### Compliance
<br> • No compliance testing for the DSCR review.

Narrative – SPIRE 2026-3 Page 16 of 22<br>

------

#### Pool Details

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 30 | 31.91% |
| Purchase | 54 | 57.45% |
| Rate / Term Refi | 10 | 10.64% |
| **Total** | **94** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | % of Pool |
| Single Family Detached | 54 | 57.45% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 6 | 6.38% |
| Condo, High Rise | 0 | 0.00% |
| PUD | 20 | 21.28% |
| 1 Family Attached | 6 | 6.38% |
| 2 Family | 7 | 7.45% |
| 3 Family | 1 | 1.06% |
| 4 Family | 0 | 0.00% |
| **Total** | **94** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 46 | 48.94% |
| Second Home | 7 | 7.44% |
| Investment Property | 41 | 43.62% |
| **Total** | **94** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | % of Pool |
| Fixed | 94 | 100.00% |
| ARM | 0 | 0.00% |
| **Total** | **94** | **100.00%** |

---

Narrative – SPIRE 2026-3 Page 17 of 22<br>

------

#### Tape Discrepancies

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Data Element** | **Count** | **Accuracy** |
| Borrower 1 Last Name | 2 | 97.87% |
| Borrower 2 Self-Employment Flag | 5 | 94.68% |
| Interest Only Flag | 4 | 95.74% |
| Originator QM Status | 35 | 62.77% |
| Primary Appraised Property Value | 4 | 95.74% |
| Qualifying CLTV | 12 | 87.23% |
| Borrower 2 Origination FICO | 1 | 98.94% |
| Qualifying Total Debt Income Ratio | 12 | 87.23% |
| Qualifying Loan Amount | 4 | 95.74% |
| Qualifying LTV | 12 | 87.23% |
| **Total Loans** | **94** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were seven (7) obligors with multiple loans in the pool.

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

#### Loan Grading Definitions

#### Credit

---

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

---

#### Compliance

S&P Moody's Kroll DBRS Definition <br> A A A A The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations

Narrative – SPIRE 2026-3 Page 18 of 22<br>

------

---

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

---

---

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

---

#### Property Valuation

---

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

---

---

| | |
|:---|:---|
| S&P | Definition |
| A | First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |

---

Narrative – SPIRE 2026-3 Page 19 of 22<br>

------

---

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

---

#### <br>

#### Loan Review Findings

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated June 3, 2026.

Overall Grade Summary

---

| | | |
|:---|:---|:---|
| **Kroll NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 91 | 96.81% |
| B | 3<br>| 3.19% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Compliance Grade Summary

---

| | | |
|:---|:---|:---|
| **Kroll NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 92 | 97.87% |
| B | 2 | 2.13% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Credit Grade Summary

---

| | | |
|:---|:---|:---|
| **Kroll NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 93 | 98.94% |
| B | 1 | 1.06% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Property Grade Summary

---

| | | |
|:---|:---|:---|
| **Kroll NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 94 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Overall Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 82 | 87.23% |
| B | 12 | 12.77% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Compliance Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 92 | 97.87% |
| B | 2 | 2.13% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Credit Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 93 | 98.94% |
| B | 1 | 1.06% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Property Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of**<br> **Loans** |
| A | 84 | 89.36% |
| B | 10 | 10.64% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Narrative – SPIRE 2026-3 Page 20 of 22<br>

------

#### Loans Reviewed (94)

---

| | |
|:---|:---|
| 409044233 | 409044275 |
| 409045730 | 409044276 |
| 409044230 | 409044277 |
| 409044231 | 409044278 |
| 409045732 | 409045787 |
| 409045733 | 409044280 |
| 409045784 | 409044281 |
| 409045735 | 409044282 |
| 409045736 | 409044284 |
| 409045737 | 409044286 |
| 409044237 | 409044287 |
| 409044238 | 409044288 |
| 409044239 | 409044291 |
| 409044242 | 409044292 |
| 409044243 | 409044293 |
| 409044244 | 409044296 |
| 409044245 | 409044297 |
| 409044329 | 409045761 |
| 409045742 | 409045795 |
| 409044248 | 409044345 |
| 409044249 | 409044344 |
| 409045743 | 409045763 |
| 409044250 | 409045764 |
| 409045744 | 409044326 |
| 409044252 | 409044334 |
| 409044253 | 409044299 |
| 409044254 | 409044333 |
| 409045745 | 409045765 |
| 409044255 | 409044300 |
| 409045746 | 409044301 |
| 409044257 | 409045789 |
| 409044328 | 409044302 |
| 409044259 | 409045767 |
| 409044260 | 409044303 |
| 409044261 | 409045768 |
| 409044262 | 409045769 |
| 409045748 | 409044343 |
| 409045785 | 409045770 |
| 409044264 | 409044319 |
| 409045752 | 409044306 |
| 409045753 | 409045796 |
| 409044265 | 409044308 |
| 409044267 | 409044310 |
| 409044270 | 409044311 |
| 409044271 | 409044314 |

---

Narrative – SPIRE 2026-3 Page 21 of 22<br>

------

<u> 409044274 </u> <u> 409044315 </u> <br> <u> 409045755 </u> <u> 409045772 </u>

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

Narrative – SPIRE 2026-3 Page 22 of 22<br>

## Exhibit 99.16

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 409045730 |  |  | $XXXXXX<br> A |
| 409044230 |  |  | $XXXXXX<br> A |
| 409044231 |  |  | $XXXXXX<br> A<br> B |
| 409045732 |  |  | $XXXXXX<br> A<br> C |
| 409044233 |  |  | $XXXXXX<br> A<br> B |
| 409045733 |  |  | $XXXXXX<br> D<br> C<br> A |
| 409045784 |  |  | $XXXXXX<br> D<br> A |
| 409045735 |  |  | $XXXXXX<br> A |
| 409045736 |  |  | $XXXXXX<br> A<br> B |
| 409045737 |  |  | $XXXXXX<br> A<br> B |
| 409044237 |  |  | $XXXXXX<br> A |
| 409044238 |  |  | $XXXXXX<br> A<br> B |
| 409044239 |  |  | $XXXXXX<br> D<br> A<br> B |
| 409044242 |  |  | $XXXXXX<br> A<br> B |
| 409044243 |  |  | $XXXXXX<br> D<br> A |
| 409044244 |  |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 409044245 |  |  | $XXXXXX<br> A |
| 409044329 |  |  | $XXXXXX<br> A<br> C |
| 409045742 |  |  | $XXXXXX<br> A<br> B |
| 409044248 |  |  | $XXXXXX<br> A |
| 409044249 |  |  | $XXXXXX<br> A |
| 409045743 |  |  | $XXXXXX<br> C<br> A |
| 409044250 |  |  | $XXXXXX<br> A<br> B |
| 409045744 |  |  | $XXXXXX<br> A |
| 409044252 |  |  | $XXXXXX<br> A |
| 409044253 |  |  | $XXXXXX<br> A |
| 409044254 |  |  | $XXXXXX<br> A |
| 409045745 |  |  | $XXXXXX<br> A |
| 409044255 |  |  | $XXXXXX<br> A<br> B |
| 409045746 |  |  | $XXXXXX<br> A |
| 409044257 |  |  | $XXXXXX<br> A |
| 409044328 |  |  | $XXXXXX<br> A<br> C |
| 409044259 |  |  | $XXXXXX<br> A |
| 409044260 |  |  | $XXXXXX<br> A<br> B |
| 409044261 |  |  | $XXXXXX<br> D<br> B<br> A |
| 409044262 |  |  | $XXXXXX<br> A<br> C |
| 409045748 |  |  | $XXXXXX<br> A |
| 409045785 |  |  | $XXXXXX<br> A |
| 409044264 |  |  | $XXXXXX<br> C<br> A |
| 409045752 |  |  | $XXXXXX<br> D<br> A |
| 409045753 |  |  | $XXXXXX<br> A |
| 409044265 |  |  | $XXXXXX<br> A<br> B |
| 409044267 |  |  | $XXXXXX<br> A |
| 409044270 |  |  | $XXXXXX<br> A<br> B |
| 409044271 |  |  | $XXXXXX<br> A |
| 409044274 |  |  | $XXXXXX<br> A<br> B |
| 409045755 |  |  | $XXXXXX<br> A |
| 409044275 |  |  | $XXXXXX<br> D<br> A |
| 409044276 |  |  | $XXXXXX<br> A |
| 409044277 |  |  | $XXXXXX<br> D<br> A |
| 409044278 |  |  | $XXXXXX<br> D<br> A |
| 409045787 |  |  | $XXXXXX<br> A<br> C |
| 409044280 |  |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 409044281 |  |  | $XXXXXX<br> D<br> B<br> A |
| 409044282 |  |  | $XXXXXX<br> C<br> A |
| 409044284 |  |  | $XXXXXX<br> A |
| 409044286 |  |  | $XXXXXX<br> A |
| 409044287 |  |  | $XXXXXX<br> A |
| 409044288 |  |  | $XXXXXX<br> A |
| 409044291 |  |  | $XXXXXX<br> A |
| 409044292 |  |  | $XXXXXX<br> A |
| 409044293 |  |  | $XXXXXX<br> A |
| 409044296 |  |  | $XXXXXX<br> A |
| 409044297 |  |  | $XXXXXX<br> A<br> C |
| 409045761 |  |  | $XXXXXX<br> A<br> B |
| 409045795 |  |  | $XXXXXX<br> D<br> A |
| 409044345 |  |  | $XXXXXX<br> A<br> C |
| 409044344 |  |  | $XXXXXX<br> C<br> A |
| 409045763 |  |  | $XXXXXX<br> D<br> A |
| 409045764 |  |  | $XXXXXX<br> A |
| 409044326 |  |  | $XXXXXX<br> A<br> B |
| 409044334 |  |  | $XXXXXX<br> D<br> B<br> A |
| 409044299 |  |  | $XXXXXX<br> A<br> B |
| 409044333 |  |  | $XXXXXX<br> C<br> D<br> A |
| 409045765 |  |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 409044300 |  |  | $XXXXXX<br> A |
| 409044301 |  |  | $XXXXXX<br> D<br> A |
| 409045789 |  |  | $XXXXXX<br> A |
| 409044302 |  |  | $XXXXXX<br> A<br> C |
| 409045767 |  |  | $XXXXXX<br> A |
| 409044303 |  |  | $XXXXXX<br> A<br> B |
| 409045768 |  |  | $XXXXXX<br> A<br> B |
| 409045769 |  |  | $XXXXXX<br> A |
| 409044343 |  |  | $XXXXXX<br> A<br> B |
| 409045770 |  |  | $XXXXXX<br> A<br> B |
| 409044319 |  |  | $XXXXXX<br> A<br> C |
| 409044306 |  |  | $XXXXXX<br> A<br> B |
| 409045796 |  |  | $XXXXXX<br> D<br> B<br> A |
| 409044308 |  |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 409044310 |  |  | $XXXXXX<br> D<br> A |
| 409044311 |  |  | $XXXXXX<br> D<br> A |
| 409044314 |  |  | $XXXXXX<br> A<br> B |
| 409044315 |  |  | $XXXXXX<br> A |
| 409045772 |  |  | $XXXXXX<br> A<br> C |

---

## Exhibit 99.17

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 409045730 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors <br>| Non-QM: Lender documented all ATR UW factors <br>| No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.457 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Employed | No | No | No |  |
| 409044230 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044231 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045732 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Not Employed | No | No | No |  |
| 409044233 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045733 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045784 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.727 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Retired |  | No |  | No |  |
| 409045735 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045736 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045737 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.565 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044237 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044238 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.1 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044239 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 409044242 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.965 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044243 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044244 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.841 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044245 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 409044329 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.95 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Not Employed |  | No |  | No |  |
| 409045742 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.694 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044248 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044249 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409045743 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.114 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044250 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Not Employed | No | No | No |  |
| 409045744 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Employed | No | No | No |  |
| 409044252 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044253 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044254 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409045745 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 409044255 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 409045746 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044257 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 409044328 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.898 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Not Employed |  | No |  | No |  |
| 409044259 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044260 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 409044261 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 409044262 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045748 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045785 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 409044264 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409045752 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.502 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 409045753 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044265 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed | Not Employed | No | No | Yes | Present |
| 409044267 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044270 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.084 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 409044271 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044274 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed | Employed | No | No | Yes | Present |
| 409045755 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.87 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Not Employed | No | No | No |  |
| 409044275 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044276 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044277 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044278 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409045787 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 409044280 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044281 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Retired | Not Employed | No | No | No |  |
| 409044282 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044284 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044286 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044287 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044288 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044291 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044292 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044293 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044296 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 409044297 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045761 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | Yes | Employed |  | No |  | Yes | Present |
| 409045795 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044345 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.669 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Employed | No | No | No |  |
| 409044344 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.786 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 409045763 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045764 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044326 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Employed | No | No | No |  |
| 409044334 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 409044299 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Employed | No | No | No |  |
| 409044333 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.019 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 409045765 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.663 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Not Employed | No | No | No |  |
| 409044300 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044301 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045789 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.572 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Employed | No | No | No |  |
| 409044302 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 409045767 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.615 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044303 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.741 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045768 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409045769 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Employed | No | No | No |  |
| 409044343 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed |  | No |  | No |  |
| 409045770 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044319 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.045 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Not Employed |  | No |  | No |  |
| 409044306 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed | Not Employed | No | No | No |  |
| 409045796 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044308 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | N/A | Employed | Employed | No | No | No |  |
| 409044310 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044311 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409044314 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.368 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |
| 409044315 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409045772 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXX | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.18

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** | **Number of Units** | **Property Type** | **Property Listed for Sale Flag** | **Date Listed for Sale** | **FC Completed Date** | **Any other Credit Event Resolution Date (Short Sale/ Deed in Lieu)** |
| 409045730 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | XXX |  | 8.250% | 8.250% | $3607.96 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $4252.62 | $XXXXX | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 16.54% | 16.54% | 16.54% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 113898.56 | 26.8 | 113898.56 | 26.8 | No | 85.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044230 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $752.55 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1094.09 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.554 | 1.54 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25670.68 | 23.5 | 25670.68 | 23.5 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 2 | Suburban |  |  |  |  |
| 409044231 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.125% | 7.125% | $2809.41 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $4057.53 | $XXXXX | N/A |  |  | $0.00 |  |  | 37.22% | 37.83% | 37.83% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37663.84 | 9.3 | 37663.84 | 9.3 | No | 79.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045732 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.060% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.750% | 6.750% | $1459.35 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $2792.18 | $XXXXX | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 4.29% | 4.29% | 4.29% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 70.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 221612.28 | 79.4 | No | 37.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Rural |  |  |  |  |
| 409044233 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.270% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.500% | 7.500% | $8320.65 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $11424.81 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 41.75% | 42.27% | 42.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 246173.60 | 21.6 | 246173.60 | 21.6 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045733 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.625% | 6.625% | $2625.27 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $3639.14 | $XXXXX | N/A |  |  | $0.00 |  |  | 14.95% | 14.95% | 14.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10360.74 | 2.8 | 313008.11 | 86.0 | No | 56.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045784 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $2275.44 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2974.03 | $XXXXX | N/A |  |  | $0.00 |  |  | 42.71% | 42.71% | 42.71% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | Yes | No | 84.0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2026"] - 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2026"] - 2026 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 837902.64 | 281.7 | 837902.64 | 281.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045735 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.625% | 6.625% | $2285.91 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $3273.68 | $XXXXX | N/A |  |  | $0.00 |  |  | 42.45% | 42.45% | 42.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20088.00 | 6.1 | 20088.00 | 6.1 | No | 70.41 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045736 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $1200.93 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1690.27 | $XXXXX | N/A |  |  | $0.00 |  |  | 5.88% | 5.88% | 5.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 43320.01 | 25.6 | No | 34.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045737 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $8875.50 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $9860.80 | $XXXXX | N/A |  |  | $0.00 |  |  | 5.71% | 5.71% | 5.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 369218.00 | 37.4 | 369218.00 | 37.4 | No | 63.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044237 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $640.31 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $983.02 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.424 | 1.336 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 65818.63 | 67.0 | No | 56.18 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044238 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $2217.79 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2817.32 | $XXXXX | N/A |  |  | $0.00 |  |  | 11.49% | 10.86% | 10.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 310240.18 | 110.1 | 310240.18 | 110.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044239 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1930.73 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2075.64 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.036 | 1.036 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 114540.34 | 55.2 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044242 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $4781.85 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $6026.36 | $XXXXX | N/A |  |  | $0.00 |  |  | 12.50% | 12.48% | 12.48% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3581573.06 | 594.3 | 3581573.06 | 594.3 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXXXXX |  |  |  | 1 | Suburban |  |  |  |  |
| 409044243 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $632.07 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $2064.26 |  | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.26 | 1.244 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 56786.06 | 27.5 | No | 30.3 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044244 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.750% | 6.750% | $3554.32 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $3941.99 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 18.38% | 18.38% | 18.38% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 166 | 35 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 546874.75 | 138.7 | 546874.75 | 138.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044245 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1328.35 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1584.47 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.01 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  |  | United States | XX/XX/XXXX | US | XX/XX/XXXX | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25814.36 | 16.3 | 25814.36 | 16.3 | No | 79.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044329 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.625% | 6.625% | $1190.98 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $1466.84 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 9.18% | 9.18% | 9.18% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | Yes | No | 84.0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2847317.78 | 1941.1 | 2847317.78 | 1941.1 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045742 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | XXX |  | 8.625% | 8.625% | $6537.83 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $7592.78 | $XXXXX | N/A |  |  | $0.00 |  |  | 42.07% | 42.07% | 42.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 157314.10 | 20.7 | 157314.10 | 20.7 | No | 89.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044248 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $1464.85 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $1896.66 |  | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.002 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 80692.57 | 42.5 | No | 69.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044249 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1765.05 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $3399.82 |  | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.0 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 225435.68 | 66.3 | 488160.89 | 143.6 | No | 45.41 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409045743 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.000% | 7.000% | $2227.53 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2545.07 | $XXXXX | N/A |  |  | $0.00 |  |  | 26.92% | 26.92% | 26.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23966.59 | 9.4 | 23966.59 | 9.4 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044250 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.625% | 6.625% | $5801.22 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $6775.92 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 30.82% | 30.82% | 30.82% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 371231.36 | 54.8 | 371231.36 | 54.8 | No | 73.36 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Rural |  |  |  |  |
| 409045744 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.250% | 7.250% | $4203.91 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $4716.98 | $XXXXX | N/A |  |  | $0.00 |  |  | 18.22% | 17.96% | 17.96% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SESoleProprietor - IRS Transcripts Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - IRS Transcripts Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  |  | United States | XX/XX/XXXX | USA | XX/XX/XXXX | I-551 Permanent Resident Card  |  | XX/XX/XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  |  | United States | XX/XX/XXXX | USA | XX/XX/XXXX | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31452.23 | 6.7 | 31452.23 | 6.7 | No | 85.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044252 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1329.63 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1977.53 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.009 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 193015.38 | 97.6 | No | 69.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044253 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1195.61 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1889.27 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.112 | 1.17 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 171595.26 | 90.8 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044254 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1281.01 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1847.67 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.055 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | .00 | 0.0 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045745 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $4171.65 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $4900.15 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 13.94% | 13.94% | 13.94% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 494960.00 | 101.0 | 494960.00 | 101.0 | No | 60.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044255 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $1919.91 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $2256.35 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 40.69% | 40.69% | 40.69% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 81465.82 | 36.1 | 81465.82 | 36.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045746 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.130% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $6249.89 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $7078.22 | $XXXXX | N/A |  |  | $0.00 |  |  | 13.94% | 13.94% | 13.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 476693.74 | 67.4 | 476693.74 | 67.4 | No | 60.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044257 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $5389.75 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $5853.65 |  | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Proceeds from Sale |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.025 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 107778.07 | 18.4 | 107778.07 | 18.4 | No | 60.38 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX | XXXXXXX | XXXXXXX |  |  | 1 | Suburban |  |  |  |  |
| 409044328 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $3755.14 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $4871.93 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 46.21% | 46.07% | 46.07% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | Yes | No | 84.0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 739178.12 | 151.7 | 739178.12 | 151.7 | No | 51.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXXXXX |  |  |  | 1 | Suburban |  |  |  |  |
| 409044259 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $3071.62 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $3896.52 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.142 | 1.142 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 331492.43 | 85.1 | 331492.43 | 85.1 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 2 | Suburban |  |  |  |  |
| 409044260 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.125% | 7.125% | $1490.10 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1868.79 | $XXXXX | N/A |  |  | $0.00 |  |  | 42.08% | 42.08% | 42.08% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 35 | 35 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49388.50 | 26.4 | 49388.50 | 26.4 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Rural |  |  |  |  |
| 409044261 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.125% | 7.125% | $1121.07 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1528.99 | $XXXXX | N/A |  |  | $0.00 |  |  | 32.44% | 32.44% | 32.44% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 77 | 23 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20030.45 | 13.1 | 20030.45 | 13.1 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044262 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $1137.72 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1486.80 | $XXXXX | N/A |  |  | $0.00 |  |  | 42.62% | 42.62% | 42.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19067.83 | 12.8 | 19067.83 | 12.8 | No | 48.39 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045748 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.250% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $2477.20 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $3014.38 | $XXXXX | N/A |  |  | $0.00 |  |  | 12.32% | 12.32% | 12.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31472.72 | 10.4 | 31472.72 | 10.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409045785 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $8129.49 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $10141.99 | $XXXXX | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 29.05% | 29.05% | 29.05% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | Yes | No | 84.0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 70.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 104 | 24 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Asset Depletion, Wage, Other REO Net Rental Income(Loss) - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 345191.00 | 34.0 | 345191.00 | 34.0 | No | 75.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Rural |  |  |  |  |
| 409044264 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $837.58 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1117.30 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.566 | 1.566 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1347839.74 | 1206.3 | 1347839.74 | 1206.3 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409045752 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.375% | 7.375% | $2955.92 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $3450.93 | $XXXXX | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 44.90% | 48.22% | 48.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25092.16 | 7.3 | 25092.16 | 7.3 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045753 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.750% | 6.750% | $4799.63 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $5292.92 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 3.01% | 3.01% | 3.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 98.74% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 110292.33 | 20.8 | 110292.33 | 20.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044265 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $3429.17 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $4114.64 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 3.27% | 3.27% | 3.27% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 434211.00 | 105.5 | 434211.00 | 105.5 | No | 49.71 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044267 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $2273.80 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $3313.17 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.056 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 259779.57 | 78.4 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044270 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $2833.01 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $3659.83 | $XXXXX | N/A |  |  | $0.00 |  |  | 18.30% | 18.30% | 18.30% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 112774.75 | 28.7 | 112774.75 | 28.7 | No | 75.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Rural |  |  |  |  |
| 409044271 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1024.50 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1185.48 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.206 | 1.206 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 168881.54 | 142.5 | 168881.54 | 142.5 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044274 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $1908.38 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2645.92 | $XXXXX | N/A |  |  | $0.00 |  |  | 32.50% | 33.10% | 33.10% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, SSI and Disability, Retirement, Retirement - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 56803.00 | 21.5 | 56803.00 | 21.5 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 2 | Suburban |  |  |  |  |
| 409045755 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.750% | 6.750% | $2360.90 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2567.56 | $XXXXX | N/A |  |  | $0.00 |  |  | 17.70% | 17.09% | 17.09% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30772.14 | 12.0 | 30772.14 | 12.0 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044275 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1295.74 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1998.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 196855.94 | 98.5 | No | 55.18 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044276 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1203.46 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $1756.03 |  | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.025 | 1.03 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 152717.49 | 87.0 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044277 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1094.93 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1697.20 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Stamp and Passport |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 162245.74 | 95.6 | No | 68.13 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044278 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1046.91 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1484.07 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.314 | 1.2 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Stamp and Passport |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 154334.63 | 104.0 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409045787 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $5688.61 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $8139.50 | $XXXXX | N/A |  |  | $0.00 |  |  | 32.21% | 32.21% | 32.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 1 |  |  | 3 | 1 | Yes |  | Yes | No | 84.0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | Borrower Prepared | 12 | Borrower |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SEPartnership, Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified(1065, K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2025","2024","2026"] - 2025, 2024, 2026 | Borrower - 1 YR Business Tax Returns Verified(1065, K1), 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2026"] - 2025, 2024, 2026 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72294.81 | 8.9 | 72294.81 | 8.9 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409044280 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.270% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $6213.23 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $7243.99 | $XXXXX | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 35.56% | 35.57% | 35.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 65 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 90042.93 | 12.4 | 90042.93 | 12.4 | No | 78.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044281 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.750% | 6.750% | $6810.28 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $7664.92 | $XXXXX | N/A |  |  | $0.00 |  |  | 42.16% | 42.16% | 42.16% | No | No |  |  |  |  |  |  | Retired | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified, 1040 Schedule E Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 166462.06 | 21.7 | 166462.06 | 21.7 | No | 75.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044282 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1222.87 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1656.88 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.388 | 1.388 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27630.06 | 16.7 | 27630.06 | 16.7 | No | 43.09 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044284 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $839.06 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1207.95 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.573 | 1.573 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 133183.48 | 110.3 | 133183.48 | 110.3 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 3 | Suburban |  |  |  |  |
| 409044286 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1526.03 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1722.35 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.103 | 1.43 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21228.05 | 15.9 | 41880.66 | 31.4 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044287 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1042.91 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1346.73 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.262 | 1.262 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 12739.10 | 9.5 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044288 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $971.80 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1430.65 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.258 | 1.322 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | .00 | 0.0 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044291 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1144.32 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1462.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.06 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 425857.32 | 291.2 | 425857.32 | 291.2 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409044292 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1144.32 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1463.54 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.011 | 1.011 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 425525.79 | 290.8 | 425525.79 | 290.8 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044293 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1303.99 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1659.21 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.296 | 1.3 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 419099.51 | 252.6 | 419099.51 | 252.6 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 2 | Suburban |  |  |  |  |
| 409044296 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $752.95 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $1303.70 |  | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.381 | 1.379 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 43805.20 | 33.6 | No | 29.41 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044297 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.000% | 7.000% | $2170.55 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2517.34 | $XXXXX | N/A |  |  | $0.00 |  |  | 21.10% | 21.10% | 21.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31238.55 | 12.4 | 31238.55 | 12.4 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045761 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.000% | 7.000% | $1222.49 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1506.28 | $XXXXX | N/A |  |  | $0.00 |  |  | 46.70% | 46.70% | 46.70% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 134430.02 | 89.3 | 134430.02 | 89.3 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Rural |  |  |  |  |
| 409045795 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $948.10 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $1594.96 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 38.65% | 38.65% | 38.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14963.22 | 9.4 | 14963.22 | 9.4 | No | 42.86 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044345 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $2999.79 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $3328.22 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 16.37% | 16.37% | 16.37% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 166039.75 | 49.9 | 166039.75 | 49.9 | No | 61.27 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044344 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | XXX |  | 8.500% | 8.500% | $3251.74 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $3582.44 | $XXXXX | N/A |  |  | $0.00 |  |  | 29.67% | 29.67% | 29.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33000.11 | 9.2 | 33000.11 | 9.2 | No | 89.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Rural |  |  |  |  |
| 409045763 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.270% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.750% | 6.750% | $8281.29 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $9428.22 | $XXXXX | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 14.74% | 14.73% | 14.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 110664.08 | 11.7 | 110664.08 | 11.7 | No | 65.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045764 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.140% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $6421.48 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $6907.97 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 12.89% | 12.89% | 12.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45087.86 | 6.5 | 45087.86 | 6.5 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044326 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $9481.02 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $13077.27 | $XXXXX | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 4.31% | 4.28% | 4.28% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 60.00% | 40.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4236438.94 | 324.0 | 4236438.94 | 324.0 | No | 57.69 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409044334 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $1313.86 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1657.00 | $XXXXX | N/A |  |  | $0.00 |  |  | 34.51% | 38.12% | 38.12% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | Yes | No | 84.0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 857844.90 | 517.7 | 857844.90 | 517.7 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409044299 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $1572.69 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1780.33 | $XXXXX | N/A |  |  | $0.00 |  |  | 47.97% | 47.97% | 47.97% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 66.77% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 39 | 35 | Work Number | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15842.75 | 8.9 | 15842.75 | 8.9 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044333 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $6043.75 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $8766.24 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 36.70% | 36.70% | 36.70% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 3 | 2 | NA | NA | Yes | No | 84.0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Asset Depletion - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1495641.18 | 170.6 | 1495641.18 | 170.6 | No | 80.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409045765 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.625% | 6.625% | $9604.66 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $11493.26 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 34.88% | 34.88% | 34.88% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 84.10% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 1243101.95 | 108.2 | No | 37.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX | XXXXXXX | XXXXXXX |  |  | 1 | Suburban |  |  |  |  |
| 409044300 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1313.33 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $1674.19 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.045 | 1.045 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 114009.51 | 68.1 | 114009.51 | 68.1 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044301 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $7608.58 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $9473.41 | $XXXXX | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 48.51% | 48.51% | 48.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 71 | 23 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72644.14 | 7.7 | 72644.14 | 7.7 | No | 74.39 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045789 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.130% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $3160.34 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $4434.05 | $XXXXX | N/A |  |  | $0.00 |  |  | 39.31% | 39.31% | 39.31% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | Yes | No | 84.0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | Borrower Prepared | Borrower | 12<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 240732.50 | 54.3 | 240732.50 | 54.3 | No | 51.81 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044302 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.750% | 6.750% | $2097.57 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2373.14 | $XXXXX | N/A |  |  | $0.00 |  |  | 30.02% | 33.71% | 33.71% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20144.00 | 8.5 | 20144.00 | 8.5 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045767 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.140% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $2654.64 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $3166.88 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 46.19% | 46.19% | 46.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 92.53% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31703.30 | 10.0 | 31703.30 | 10.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044303 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | XXX |  | 9.500% | 9.500% | $2875.40 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $3197.53 | $XXXXX | N/A |  |  | $0.00 |  |  | 14.29% | 14.48% | 14.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 338406.88 | 105.8 | 338406.88 | 105.8 | No | 89.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045768 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.140% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.625% | 6.625% | $4868.44 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $6634.02 | $XXXXX | N/A |  |  | $0.00 |  |  | 15.54% | 15.34% | 15.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 233518.50 | 35.2 | 233518.50 | 35.2 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045769 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.875% | 6.875% | $4620.84 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $5507.99 | $XXXXX | N/A |  |  | $0.00 |  |  | 39.57% | 39.67% | 39.67% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | W2/1099 Verified | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 27 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - 1 YR W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 149628.96 | 27.2 | 149628.96 | 27.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Rural |  |  |  |  |
| 409044343 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.125% | 7.125% | $8818.47 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $9780.64 | $XXXXX | N/A |  |  | $0.00 |  |  | 38.97% | 47.78% | 47.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 34 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 188026.00 | 24.6 | 188026.00 | 24.6 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045770 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.500% | 7.500% | $1297.74 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2095.51 | $XXXXX | N/A |  |  | $0.00 |  |  | 23.37% | 23.38% | 23.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 75961.05 | 36.3 | 75961.05 | 36.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Urban |  |  |  |  |
| 409044319 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.000% | 7.000% | $4508.09 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $5042.10 | $XXXXX | N/A |  |  | $0.00 |  |  | 38.05% | 38.05% | 38.05% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | Yes | No | 120.0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 343303.65 | 68.1 | 343303.65 | 68.1 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044306 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $1303.22 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $2242.06 | $XXXXX | Yes | XXXXXX | XX | $XXXX | XX/XX/XXXX | Annually | 12.28% | 12.28% | 12.28% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Green Card | XX | Peru | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Green Card | XX | Peru | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17209.32 | 7.7 | 17209.32 | 7.7 | No | 58.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409045796 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.270% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.500% | 6.500% | $8596.13 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $10261.54 | $XXXXX | N/A |  |  | $0.00 |  |  | 25.29% | 25.36% | 25.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 215214.97 | 21.0 | 215214.97 | 21.0 | No | 80.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044308 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | XXX |  | 6.750% | 6.750% | $1660.41 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $2097.06 | $XXXXX | N/A | XXXXXX | XX | $XXXX | XX/XX/XXXX | Monthly | 28.60% | 28.60% | 28.60% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 2 | 2 | Less than 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 54 | 33 | Other | No | 0 |  |  | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24425.70 | 11.7 | 24425.70 | 11.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044310 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $3433.67 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $4297.00 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.024 | 1.024 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 557755.88 | 129.8 | 557755.88 | 129.8 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 2 | Urban |  |  |  |  |
| 409044311 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1792.87 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $2222.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.698 | 1.7 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 66951.09 | 30.1 | 66951.09 | 30.1 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 2 | Suburban |  |  |  |  |
| 409044314 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.250% | 7.250% | $6980.03 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $7678.47 | $XXXXX | N/A |  |  | $0.00 |  |  | 48.51% | 48.51% | 48.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 10.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 109065.61 | 14.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |
| 409044315 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $3463.51 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $3777.76 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.112 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 516365.07 | 136.7 | No | 60.68 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 2 | Suburban |  |  |  |  |
| 409045772 |  |  | XXXXXXX | XXXXXX | XXXXXXX | No | XXXXXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | XXX |  | 7.750% | 7.750% | $4887.72 | No | $XXXXX | $XXXXX | $XXXXX | $XXXXX | $0.00 | $0.00 | $0.00 | $6244.14 | $XXXXX | N/A |  |  | $0.00 |  |  | 8.33% | 8.33% | 8.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 160187.76 | 25.7 | 160187.76 | 25.7 | No | 69.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |  |  |  |  |

---

## Exhibit 99.19

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| Loan ID | Seller Loan ID | Investor Loan ID | Seller Name | Loan Program | Documentation Type | Executed NOO Docs in File | Lease In Place Flag | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Actual Short Term Rent Amount | Actual Short Term Rent Source | Short Term Rent Number of Months | Short Term Rental Occupancy Factor | Rental Income Used for Property DSCR Calculation | Rental Source for Property DSCR Calculation | DSCR Calculation Based On Short Rental Income Flag | Property DTI | Originator DSCR | TPR DSCR | PITIA | Gross Rental Income Unit 1 | Lease End Date Unit 1 | Lease Term Unit 1 | Gross Rental Income Unit 2 | Lease End Date Unit 2 | Lease Term Unit 2 | Gross Rental Income Unit 3 | Lease End Date Unit 3 | Lease Term Unit 3 | Gross Rental Income Unit 4 | Lease End Date Unit 4 | Lease Term Unit 4 | Gross Rental Income Unit 5 | Lease End Date Unit 5 | Lease Term Unit 5 | Gross Rental Income Unit 6 | Lease End Date Unit 6 | Lease Term Unit 6 | Gross Rental Income Unit 7 | Lease End Date Unit 7 | Lease Term Unit 7 | Gross Rental Income Unit 8+ | Rent Loss Insurance | Rent Loss Insurance Amount | Fee Amount | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Section 8 | Blanket Mortgage/Cross Collateral Flag | Number of Years Property Owned | Number of Mortgaged Properties With Lender | Number of Properties Securing Loan | Foreign National Alternative Credit Documentation | Months Reserves | Loan Closed in the name of Business Entity | Vested Business Entity Name | Vested Business Entity Type | Qualifying Primary Borrower Type | Qualifying Primary Borrower First Name | Qualifying Primary Borrower Last Name | Qualifying CoBorrower Type | Qualifying CoBorrower First Name | Qualifying CoBorrower Last Name | Qualifying CoBorrower 2 Type | Qualifying CoBorrower 2 First Name | Qualifying CoBorrower 2 Last Name | Qualifying CoBorrower 3 Type | Qualifying CoBorrower 3 First Name | Qualifying CoBorrower 3 Last Name | Non-Qualifying Guarantor 1 First Name | Non-Qualifying Guarantor 1 Last Name | Non-Qualifying Guarantor 1 Citizenship | Non-Qualifying Guarantor 1 Country Name | Non-Qualifying Guarantor 2 First Name | Non-Qualifying Guarantor 2 Last Name | Non-Qualifying Guarantor 2 Citizenship | Non-Qualifying Guarantor 2 Country Name | Personal Guaranty | Total Number of Guarantors | Personal Guaranty Recourse Level | Business Entity EIN | Primary Appraisal Occupancy |
| 409044230 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 64.36 | 1.54 | 1.554 | 1094.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 23.46 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044237 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 70.22 | 1.336 | 1.424 | 983.02 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 66.96 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 409044239 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 96.54 | 1.036 | 1.036 | 2075.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 55.18 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXXXXX | Vacant |
| 409044243 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 79.39 | 1.244 | 1.26 | 2064.26 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 27.51 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Business Entity | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXXXXX | Tenant |
| 409044245 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 99.03 | 1.01 | 1.01 | 1584.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 16.29 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 409044248 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 99.82 | 1.002 | 1.002 | 1896.66 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 8.7 | 1 | 1 | N/A | 42.54 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044249 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 99.99 | 1.0 | 1.0 | 3399.82 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 143.58 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044252 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 99.12 | 1.01 | 1.009 | 1977.53 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 21.5 | 1 | 1 | N/A | 97.6 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044253 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 89.97 | 1.17 | 1.112 | 1889.27 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 90.83 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044254 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 94.75 | 1.06 | 1.055 | 1847.67 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 0 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409045745 |  |  | XXXXXX | XXXXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4900.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 101.01 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 409044255 |  |  | XXXXXX | XXXXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2256.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 36.11 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 409044257 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 97.56 | 1.0 | 1.025 | 5853.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 18.41 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | N/A |  | Vacant |
| 409044259 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 87.56 | 1.142 | 1.142 | 3896.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 85.07 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 409044260 |  |  | XXXXXX | XXXXXX | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1868.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 2 | 1 | N/A | 26.43 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 409044261 |  |  | XXXXXX | XXXXXX | 1YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1528.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 13.1 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 409044264 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 63.85 | 1.566 | 1.566 | 1117.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 1206.34 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 409044265 |  |  | XXXXXX | XXXXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4114.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | 0 |  |  |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 105.53 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044267 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 94.66 | 1.06 | 1.056 | 3313.17 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 7.4 | 1 | 1 | N/A | 78.41 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | N/A | XXXXXXX | Tenant |
| 409044271 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 82.9 | 1.206 | 1.206 | 1185.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 142.46 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 409044274 |  |  | XXXXXX | XXXXXX | 1YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2645.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.6 | 1 | 1 | N/A | 21.47 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044275 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 99.93 | 1.001 | 1.001 | 1998.69 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 98.49 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| 409044276 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 97.56 | 1.03 | 1.025 | 1756.03 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 12.4 | 1 | 1 | N/A | 86.97 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Business Entity | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXXXXX | Tenant |
| 409044277 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 99.84 | 1 | 1.002 | 1697.2 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 13.2 | 1 | 1 | N/A | 95.6 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 409044278 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 76.11 | 1.2 | 1.314 | 1484.07 | $XXXXX | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  | 0 |  | $XXXXX |  |  |  |  |  |  | No | No | 13.0 | 1 | 1 | N/A | 103.99 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 409044282 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 72.04 | 1.388 | 1.388 | 1656.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 16.68 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 409044284 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 63.58 | 1.573 | 1.573 | 1207.95 | $XXXXX | XX/XX/XXXX | 1 | 600 | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 110.26 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044286 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 70.26 | 1.43 | 1.103 | 1722.35 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 31.37 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 409044287 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 79.22 | 1.262 | 1.262 | 1346.73 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 9.46 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044288 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 79.48 | 1.322 | 1.258 | 1430.65 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 0 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044291 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 94.36 | 1.06 | 1.06 | 1462.59 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 291.17 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044292 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 98.95 | 1.011 | 1.011 | 1463.54 | $XXXXX | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 290.75 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044293 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 77.17 | 1.3 | 1.296 | 1659.21 | $XXXXX | XX/XX/XXXX | 1 | 1050 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 252.59 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409044296 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 72.43 | 1.379 | 1.381 | 1303.7 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A | 33.6 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 409045761 |  |  | XXXXXX | XXXXXX | 12 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  | Appraisal - 1007 |  |  |  |  |  |  | No |  |  | 0 | 1506.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 3 | 1 | N/A | 89.25 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 409044334 |  |  | XXXXXX | XXXXXX | Asset Depletion – Debt Ratio Calculation | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 1657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 517.71 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 409044300 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 95.67 | 1.045 | 1.045 | 1674.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  | 0 |  | $XXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 68.1 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 409044302 |  |  | XXXXXX | XXXXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2373.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 8.49 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 409044310 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 97.66 | 1.024 | 1.024 | 4297 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 129.8 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Owner |
| 409044311 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 58.88 | 1.7 | 1.698 | 2222.69 | $XXXXX | XX/XX/XXXX | 1 | 1200 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 30.12 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 409044315 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 89.95 | 1.0 | 1.112 | 3777.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXX |  |  |  | $XXXXX |  |  |  |  |  |  |  | No | 4.0 | 1 | 1 | N/A | 136.69 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |

---

## Exhibit 99.20

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 409045730 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX<br> Eligible |  |  |
| 409044230 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044231 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.89 | 79.89 | $XXXXXX | $XXXXXX | -.0100 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0100 | 97.0 | 0.03 | XXXXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX<br> Eligible |  | XX/XX/XXXX |
| 409045732 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 37.5 | 37.5 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX<br> Eligible | 2.1 | XX/XX/XXXX |
| 409044233 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX<br> Eligible |  |  |
| 409045733 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 56.94 | 56.94 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX<br> Eligible | 2.2 | XX/XX/XXXX |
| 409045784 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 409045735 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.41 | 70.41 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045736 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 34.23 | 34.23 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX |
| 409045737 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 63.83 | 63.83 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 409044237 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 56.18 | 56.18 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 409044238 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044239 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 409044242 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.99 | 79.99 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044243 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 30.3 | 30.3 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 409044244 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX/XX/XXXX |
| 409044245 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 79.0 | 79.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 409044329 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409045742 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | $XXXXXX | -.0256 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0256 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044248 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 69.97 | 69.97 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 409044249 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 45.41 | 45.41 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409045743 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 409044250 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 73.36 | 73.36 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX<br> Eligible |  |  |
| 409045744 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | $XXXXXX | -.0136 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044252 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 69.97 | 69.97 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 409044253 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 409044254 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409045745 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.0 | 60.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044255 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX<br> Eligible | 1 | XX/XX/XXXX |
| 409045746 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.0 | 60.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 409044257 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.38 | 60.38 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 409044328 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 51.97 | 51.97 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| 409044259 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044260 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 409044261 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .2196 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .2196 | 90.0 | 0.1 | XXXXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX<br> Eligible |  | XX/XX/XXXX |
| 409044262 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 48.39 | 48.39 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 409045748 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX<br> Eligible | 2.6 | XX/XX/XXXX |
| 409045785 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX<br> Eligible | 2.3 | XX/XX/XXXX |
| 409044264 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 409045752 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409045753 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX<br> Eligible |  |  |
| 409044265 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 49.71 | 49.71 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 409044267 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 409044270 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX<br> Eligible |  |  |
| 409044271 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044274 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045755 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044275 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 55.18 | 55.18 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 409044276 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 409044277 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 68.13 | 68.13 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 409044278 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX<br> Eligible | 3 | XX/XX/XXXX |
| 409045787 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 409044280 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.7 | 78.7 | $XXXXXX | $XXXXXX | -.0192 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0192 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 409044281 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044282 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 43.09 | 43.09 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044284 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | -.0678 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0678 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044286 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 409044287 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044288 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044291 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 409044292 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044293 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044296 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 29.41 | 29.41 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044297 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX<br> Eligible |  |  |
| 409045761 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | $XXXXXX | .1265 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.1091 | 89.0 | 0.11 | XXXXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | .1265 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045795 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 42.86 | 42.86 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044345 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 61.27 | 61.27 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044344 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 89.98 | 89.98 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409045763 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 65.48 | 65.48 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX<br> Eligible |  |  |
| 409045764 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 409044326 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 57.69 | 57.69 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 409044334 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX<br> Eligible |  |  |
| 409044299 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044333 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | -.0142 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0142 | 96.0 | 0.04 | XXXXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 409045765 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 37.5 | 37.5 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX/XX/XXXX |
| 409044300 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 409044301 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 74.39 | 74.39 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XX/XX/XXXX |
| 409045789 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 51.81 | 51.81 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX<br> Eligible |  |  |
| 409044302 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | $XXXXXX | -.0429 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0429 | 95.0 | 0.05 | XXXXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409045767 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044303 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045768 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX/XX/XXXX |
| 409045769 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044343 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |
| 409045770 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409044319 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX<br> Eligible |  |  |
| 409044306 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 58.0 | 58.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 409045796 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044308 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | -.0003 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0003 | 94.0 | 0.06 | XXXXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 409044310 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044311 |  |  | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044314 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409044315 |  |  | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.68 | 60.68 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409045772 |  |  | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 69.97 | 69.97 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXX | $XXXXXX | .0028 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |

---

## Exhibit 99.21

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXX | 409044231 |  |  | Closed | 2026-02-16 06:40 | 2026-02-24 14:18 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026 |  | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXXXX - Initial Escrow Account Disclosure Statement.pdf |  |  | XX | Second Home | Purchase | NA | 7629715 | N/A | N/A |
| XXXXX | 409045732 |  |  | Closed | 2026-03-03 07:28 | 2026-03-11 13:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered At Least Seven Business Days Before Consummation | Resolved-Lender provided the initial Loan Estimate - Due Diligence Vendor-03/11/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. INITIAL LOAN ESTIMATE - XX/XX/XXXX - Seller-03/10/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open-The Initial Loan Estimate was delivered or placed in the mail on (XX/XX/XXXX), which is not seven business days before the consummation date of (XX/XX/XXXX). Seven business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the seventh business day before consummation of the transaction. (12 CFR 1026.19(e)(1)(iii)(B)) The initial Loan Estimate is dated XX/XX/XXXX. Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of the initial Loan Estimate 7 business days prior to consummation of XX/XX/XXXX. No Cure.<br> - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. INITIAL LOAN ESTIMATE - XX/XX/XXXX - Seller-03/10/2026<br>| Resolved-Lender provided the initial Loan Estimate - Due Diligence Vendor-03/11/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/11/2026<br>| XXXXXXX XXXXXXX - INITIAL LOAN ESTIMATE - XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7893326 | N/A | N/A |
| XXXXX | 409045732 |  |  | Closed | 2026-03-03 07:28 | 2026-03-11 13:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided the initial Loan Estimate - Due Diligence Vendor-03/11/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. INITIAL LOAN ESTIMATE - XX/XX/XXXX - Buyer-03/10/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure.<br> - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 |  | Resolved-Lender provided the initial Loan Estimate - Due Diligence Vendor-03/11/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/11/2026<br>| XXXXXXX XXXXXXX - INITIAL LOAN ESTIMATE - XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7893322 | N/A | N/A |
| XXXXX | 409044233 |  |  | Closed | 2026-02-16 11:07 | 2026-02-24 14:21 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br> Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026 |  | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7634165 | N/A | N/A |
| XXXXX | 409045733 |  |  | Closed | 2026-03-06 13:37 | 2026-04-29 13:16 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Borrower received back $XXXX at close from the cash out and the Underwriter used the cash out proceeds toward reserves. The guidelines were updated and provided to XXXX on XX/XX/XXXX to specify that this is allowed. - Seller-03/09/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-03/06/2026 | Ready for Review-Borrower received back $XXXX at close from the cash out and the Underwriter used the cash out proceeds toward reserves. The guidelines were updated and provided to XXXX on XX/XX to specify that this is allowed. - Seller-03/09/2026<br>| Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/11/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7977668 | N/A | N/A |
| XXXXX | 409045733 |  |  | Closed | 2026-03-06 14:02 | 2026-03-25 16:18 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026 <br> Resolved-Audited Reserves of 86.01 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/11/2026 <br> Ready for Review-The XXXX appeared as an inquiry on the Gap Report and then borrower opened a new account and we provided the statement in file. That is where the balance and monthly payment came from. - Seller-03/09/2026 <br> Open-Audited Reserves of 2.85 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/06/2026 | Ready for Review-The XXXX appeared as an inquiry on the Gap Report and then borrower opened a new account and we provided the statement in file. That is where the balance and monthly payment came from. - Seller-03/09/2026<br>| Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026 <br>Resolved-Audited Reserves of 86.01 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/11/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7978374 | N/A | N/A |
| XXXXX | 409045733 |  |  | Closed | 2026-03-06 13:58 | 2026-03-12 14:36 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-XXXX evidence provided - condition cleared - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see the XXXX statement. Thank you. - Seller-03/12/2026 <br> Ready for Review-Document Uploaded. Please refer to the pre-close credit report. Pages 6-13 are the Open XXXX statement as new account opened. - Seller-03/12/2026 <br> Counter-Reviewed the loan file, please provide the XXXX statement as it was not in the loan file. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-The XXXX appeared as an inquiry on the Gap Report and then borrower opened a new account and we provided the statement in file. That is where the balance and monthly payment came from. - Buyer-03/09/2026 <br> Open-Missing evidence of balance and monthly payment for liability 3 from the final 1003. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see the XXXX statement. Thank you. - Seller-03/12/2026 <br> Ready for Review-Document Uploaded. Please refer to the pre-close credit report. Pages 6-13 are the Open XXXX statement as new account opened. - Seller-03/12/2026<br>| Resolved-AMEX evidence provided - condition cleared - Due Diligence Vendor-03/12/2026<br>| XXXXXXX Pre-Close Credt.pdf<br> XXXXXXX XXXX statement.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7978309 | N/A | N/A |
| XXXXX | 409045733 |  |  | Closed | 2026-03-06 13:37 | 2026-03-11 11:49 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026 <br> Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Borrower received back $XXXX at close from the cash out and the Underwriter used the cash out proceeds toward reserves. The guidelines were updated and provided to XXXX on XX/XX/XXXX to specify that this is allowed. - Seller-03/09/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-03/06/2026 | Ready for Review-Borrower received back $XXXX at close from the cash out and the Underwriter used the cash out proceeds toward reserves. The guidelines were updated and provided to XXXX on XX/XX to specify that this is allowed. - Seller-03/09/2026<br>| Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026 <br> Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of $21834.84 - Due Diligence Vendor-03/11/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7977667 | N/A | N/A |
| XXXXX | 409045784 |  |  | Closed | 2026-03-12 07:53 | 2026-03-25 14:42 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. Please see the attached pre-close credit report. Thank you. - Buyer-03/12/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/12/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026<br>| XXXXXXX Pre-Close Credit Report.pdf |  |  | XX | Primary Residence | Purchase | NA | 8068001 | N/A | N/A |
| XXXXX | 409045736 |  |  | Closed | 2026-03-09 09:39 | 2026-04-29 08:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/28/2026 <br> Resolved-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/13/2026 <br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/28/2026 <br>Resolved-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7997121 | Investor Post-Close | No |
| XXXXX | 409045737 |  |  | Closed | 2026-03-10 09:40 | 2026-03-10 10:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/10/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/10/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8020053 | Investor Post-Close | No |
| XXXXX | 409044238 |  |  | Closed | 2026-02-16 13:48 | 2026-02-24 14:16 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7638903 | N/A | N/A |
| XXXXX | 409044239 |  |  | Closed | 2026-02-13 11:53 | 2026-03-26 20:07 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XX% exceeds Guideline LTV of 65% Subject property is unleased, X% reduced on LTV as per the guideline. Per lender guideline FICO 680, max LTV XX% for cash out - X% deduction = XX% LTV. Qualifying FICO is 696 vs Lender FICO of 709. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/13/2026 |  | Waived-Audited LTV of XX% exceeds Guideline LTV of 65% Subject property is unleased, X% reduced on LTV as per the guideline. Per lender guideline FICO 680, max LTV XX% for cash out - X% deduction = XX% LTV. Qualifying FICO is 696 vs Lender FICO of 709. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/13/2026<br>|  |  | Qualifying FICO is 696 vs Lender FICO of 709; good credit <br> Experienced investor. Proof is in the file | XX | Investment | Refinance | Cash Out - Other | 7613076 | Originator Pre-Close | Yes |
| XXXXX | 409044239 |  |  | Closed | 2026-02-13 11:02 | 2026-02-25 07:04 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. BORROWING ENTITY TAX ID - Buyer-02/20/2026 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/13/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026<br>| XXXXXXX XXXXXXX - BORROWING ENTITY TAX ID.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7611514 | N/A | N/A |
| XXXXX | 409044242 |  |  | Closed | 2026-02-16 09:54 | 2026-02-24 14:18 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies.<br> &nbsp;&nbsp;&nbsp;&nbsp;- Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 7632988 | N/A | N/A |
| XXXXX | 409044243 |  |  | Closed | 2026-02-15 07:32 | 2026-03-27 15:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Documentation received, finding resolved. - Due Diligence Vendor-03/27/2026 <br> Resolved-Documentation received, finding resolved. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Documentation received, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. MANAGING MEMBER CONSENT - XXXXX XXXX - Buyer-02/23/2026 <br> Open-Managing Member/Unanimous Consent Agreement is missing from the loan file. Borrower is not 100% owner of the XXX. - Due Diligence Vendor-02/15/2026 |  | Resolved-Documentation received, finding resolved. - Due Diligence Vendor-03/27/2026 <br>Resolved-Documentation received, finding resolved. - Due Diligence Vendor-03/27/2026<br>| XXXXXXX XXXXXXX - MANAGING MEMBER CONSENT AGREEMENT.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7624555 | N/A | N/A |
| XXXXX | 409044244 |  |  | Closed | 2026-03-09 12:07 | 2026-03-09 12:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8001135 | Investor Post-Close | No |
| XXXXX | 409044244 |  |  | Closed | 2026-02-16 14:47 | 2026-02-28 14:49 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Recevied LOX, copy of check, fed ex label and PCCD. Condition cured. - Due Diligence Vendor-02/28/2026 <br> Ready for Review-Document Uploaded. Please see the attached FedEx label, check image & PCCD reflecting a refund to the borrower in the amount of $XXX.XX. - Seller-02/25/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated XX/XX/XXXX, does not reflects a Appraisal Fee of $XXX. Post-Closing CD dated XX/XX/XXXX reflects a Appraisal Fee of $XXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/16/2026 | Ready for Review-Document Uploaded. Please see the attached FedEx label, check image & PCCD reflecting a refund to the borrower in the amount of $XXX.XX. - Seller-02/25/2026<br>| Cured-Recevied LOX, copy of check, fed ex label and PCCD. Condition cured. - Due Diligence Vendor-02/28/2026<br>| XXXXXXX FedEx Check Image and PCCD.pdf |  |  | XX | Second Home | Purchase | NA | 7640005 | N/A | N/A |
| XXXXX | 409044244 |  |  | Closed | 2026-02-16 14:47 | 2026-02-28 14:46 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Recevied LOX, copy of check, fed ex label and PCCD. Condition cured. - Due Diligence Vendor-02/28/2026 <br> Ready for Review-Document Uploaded. Please see the attached FedEx label, check image & PCCD reflecting a refund to the borrower in the amount of $XXX.XX. - Buyer-02/25/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, does not reflects a Appraisal Fee of $XXX. Post-Closing CD dated XX/XX/XXXX reflects a Appraisal Fee of $XXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/16/2026 |  | Cured-Recevied LOX, copy of check, fed ex label and PCCD. Condition cured. - Due Diligence Vendor-02/28/2026<br>| XXXXXXX FedEx Check Image and PCCD.pdf |  |  | XX | Second Home | Purchase | NA | 7640004 | N/A | N/A |
| XXXXX | 409044244 |  |  | Closed | 2026-02-16 13:46 | 2026-02-24 14:17 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 7638806 | N/A | N/A |
| XXXXX | 409044244 |  |  | Closed | 2026-02-19 05:42 | 2026-02-23 06:38 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Seller-02/20/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Required per lender guideline. Gap credit within 10 business days of closing is missing - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Seller-02/20/2026<br>| Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX Pre-Close Credit Report.pdf |  |  | XX | Second Home | Purchase | NA | 7692385 | N/A | N/A |
| XXXXX | 409044329 |  |  | Closed | 2026-02-17 08:28 | 2026-02-24 14:14 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/17/2026 |  | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 7651734 | N/A | N/A |
| XXXXX | 409044329 |  |  | Closed | 2026-02-17 08:28 | 2026-02-24 14:14 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/24/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see the attached E-Consent. Thank you. - Buyer-02/20/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-Sign Date (Earliest Date) is XX/XX/XXXX and E-Sign Disclosure Date (Earliest Date) is XX/XX/XXXX - Due Diligence Vendor-02/17/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/24/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX E-Consent.pdf |  |  | XX | Second Home | Purchase | NA | 7651736 | N/A | N/A |
| XXXXX | 409044329 |  |  | Closed | 2026-02-18 08:59 | 2026-02-23 07:04 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Please see the recently uploaded E-Consent. Thank you. - Buyer-02/20/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. The appraisal was delivered electronically. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/18/2026 |  | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/23/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7676680 | N/A | N/A |
| XXXXX | 409045742 |  |  | Closed | 2026-02-20 09:05 | 2026-03-10 10:55 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Confirmation of Delivery provided - cleared - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please accept this confirmation of clerical changes only to the appraisal in question. - Buyer-03/09/2026 <br> Counter-Received LOX, an appraisal signed XX/XX/XXXX, and proof of delivery XX/XX/XXXX. ECOA specific guideline: All copies of the valuations(s) used to estimate the value of the property must be provided to the borrower at least 3 business days prior to consummation. Revised appraisals due to clerical errors must be provided to the borrower. Provide verification that the XX/XX/XXXX appraisal was provided to the borrower. Condition remains. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-The ECOA guidelines only apply if revisions impact the value. It does not apply to clerical changes. - Buyer-02/26/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-02/20/2026 |  | Resolved-Confirmation of Delivery provided - cleared - Due Diligence Vendor-03/10/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7720307 | N/A | N/A |
| XXXXX | 409045742 |  |  | Closed | 2026-02-17 09:14 | 2026-02-24 14:13 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/17/2026 |  | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7652925 | N/A | N/A |
| XXXXX | 409045743 |  |  | Closed | 2026-02-18 06:18 | 2026-03-06 15:36 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see the attached VOR. Thank you. - Buyer-03/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 months VOR - Due Diligence Vendor-02/18/2026 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026<br>| XXXXXXX VOR.pdf |  |  | XX | Primary Residence | Purchase | NA | 7673314 | N/A | N/A |
| XXXXX | 409045743 |  |  | Closed | 2026-02-18 06:18 | 2026-03-06 15:36 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-03/06/2026 <br> Resolved-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see the attached VOR. Thank you. - Seller-03/04/2026 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing 12 months VOR - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see the attached VOR. Thank you. - Seller-03/04/2026<br>| Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-03/06/2026 <br>Resolved-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-03/06/2026<br>| XXXXXXX VOR.pdf |  |  | XX | Primary Residence | Purchase | NA | 7673315 | N/A | N/A |
| XXXXX | 409045743 |  |  | Closed | 2026-02-14 13:53 | 2026-02-24 13:22 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/14/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7622959 | N/A | N/A |
| XXXXX | 409045743 |  |  | Closed | 2026-02-14 14:32 | 2026-02-23 06:49 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Lender provided Replacement Cost Estimate. Hazard insurance coverage of $XXX,XXX.XX is sufficient per XXX. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see the attached XXX. Thank you. - Buyer-02/20/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-02/14/2026 |  | Resolved-Lender provided Replacement Cost Estimate. Hazard insurance coverage of $XXX,XXX.XX is sufficient per XXX. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX RCE.pdf |  |  | XX | Primary Residence | Purchase | NA | 7623046 | N/A | N/A |
| XXXXX | 409044250 |  |  | Closed | 2026-02-13 08:48 | 2026-02-24 13:33 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7607761 | N/A | N/A |
| XXXXX | 409044255 |  |  | Closed | 2026-02-18 12:59 | 2026-02-28 13:16 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026 <br> Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026<br>| XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf |  |  | XX | Investment | Purchase | NA | 7682872 | N/A | N/A |
| XXXXX | 409044328 |  |  | Closed | 2026-02-16 10:09 | 2026-02-23 07:00 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/20/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. The appraisal was delivered electronically. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/16/2026 |  | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/23/2026<br>| ECONSENT.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7633172 | N/A | N/A |
| XXXXX | 409044328 |  |  | Closed | 2026-02-16 08:24 | 2026-02-23 06:58 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/20/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-Consent documentation provided date is XX/XX/XXXX and Earliest E-Sign Disclosure Date XX/XX/XXXX - Due Diligence Vendor-02/16/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/23/2026<br>| ECONSENT.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7631446 | N/A | N/A |
| XXXXX | 409044260 |  |  | Closed | 2026-02-18 14:00 | 2026-02-28 15:00 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. . - Due Diligence Vendor-02/28/2026 <br> Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. . - Due Diligence Vendor-02/28/2026<br>| XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf |  |  | XX | Investment | Purchase | NA | 7684189 | N/A | N/A |
| XXXXX | 409044261 |  |  | Closed | 2026-02-17 10:52 | 2026-02-28 14:56 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026 <br> Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-02/17/2026 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026<br>| XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf |  |  | XX | Investment | Purchase | NA | 7657292 | N/A | N/A |
| XXXXX | 409044261 |  |  | Closed | 2026-02-17 11:40 | 2026-02-20 08:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Please see the attached Gap Report. Thank you. - Buyer-02/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/17/2026 <br>Open- - Due Diligence Vendor-02/17/2026 |  | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026<br>| XXXXXXX Pre-Close Credit Report.pdf |  |  | XX | Investment | Purchase | NA | 7658722 | N/A | N/A |
| XXXXX | 409044262 |  |  | Closed | 2026-02-12 12:13 | 2026-02-24 13:45 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7587845 | N/A | N/A |
| XXXXX | 409044262 |  |  | Closed | 2026-02-12 12:13 | 2026-02-24 13:45 | Resolved | 1 - Information | Compliance | Right to Rescind | TILA: NORTC Incomplete for one or more borrowers/vested parties | Resolved-TILA: NORTC is provided - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Please see the attached Notice of Right To Cancel. Thank you. - Buyer-02/19/2026 <br>Open-TILA: NOTRC is incomplete for one or more borrowers/ vested parties NOTRC provided in file is missing the date of transaction and date of cancel. - Due Diligence Vendor-02/12/2026 |  | Resolved-TILA: NORTC is provided - Due Diligence Vendor-02/20/2026<br>| XXXXXXX Right to Cancel.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7587844 | N/A | N/A |
| XXXXX | 409044262 |  |  | Closed | 2026-02-12 13:09 | 2026-02-20 06:43 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Loan disbursed on XX/XX/XXXX after the rescission end period of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see the attached Notice of Right To Cancel. Thank you. - Seller-02/19/2026 <br> Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The file did not contain a complete NORTC to verify Right of Rescission adherence. Additional conditions may apply upon receipt. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see the attached Notice of Right To Cancel. Thank you. - Seller-02/19/2026<br>| Resolved-Loan disbursed on XX/XX/XXXX after the rescission end period of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/20/2026<br>| XXXXXXX Right to Cancel.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7589116 | N/A | N/A |
| XXXXX | 409044264 |  |  | Closed | 2026-02-12 13:31 | 2026-02-19 16:31 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/19/2026 <br> Ready for Review-A hazard insurance policy for the subject property with a policy period from XX/XX/XXXX to XX/XX/XXXX was received. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Hazard Insurance Eff-XX/XX/XXXX-XX/XX/XXXX - Buyer-02/19/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-02/12/2026 |  | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/19/2026<br>| XXXXXXX XXXXXXX - Hazard Insurance EFF-XX/XX/XXXX-XX/XX/XXXX.pdf |  |  | XX | Investment | Purchase | NA | 7589535 | N/A | N/A |
| XXXXX | 409045752 |  |  | Closed | 2026-03-07 07:03 | 2026-03-11 10:37 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. Please see the attached LOE regarding rent-free living. Thank you. - Buyer-03/10/2026 <br>Open-Missing Rent-Free letter of explanation - Due Diligence Vendor-03/07/2026 |  | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026<br>| XXXXXXX LOE for Rent Free Living.pdf |  |  | XX | Primary Residence | Purchase | NA | 7984724 | N/A | N/A |
| XXXXX | 409044265 |  |  | Closed | 2026-02-18 10:30 | 2026-02-24 13:40 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br> Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br> Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/18/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7678658 | N/A | N/A |
| XXXXX | 409044270 |  |  | Closed | 2026-02-17 18:47 | 2026-02-24 13:34 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br> Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br> Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/18/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7669251 | N/A | N/A |
| XXXXX | 409044274 |  |  | Closed | 2026-02-15 11:11 | 2026-02-25 07:12 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Signed Acknowledgement of Receipt of Appraisal was provided. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. See attached acknowledgement of receipt. - Buyer-02/24/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. The Most recent Primary Appraisal date XX/XX/XXXX was after the delivery date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies.<br> &nbsp;&nbsp;&nbsp;&nbsp;- Due Diligence Vendor-02/15/2026 |  | Resolved-Signed Acknowledgement of Receipt of Appraisal was provided. Condition cleared. - Due Diligence Vendor-02/25/2026<br>| XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7625219 | N/A | N/A |
| XXXXX | 409044277 |  |  | Closed | 2026-02-27 07:11 | 2026-02-27 10:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/27/2026 <br> Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see the attached Tax ID for the borrower, XXX, XXX. Thank you. - Buyer-02/27/2026 <br> Open-Missing Borrowing Entity Tax ID. Missing Borrowing Entity Tax ID - Due Diligence Vendor-02/27/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/27/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/27/2026<br>| XXXXXXX - XXX Tax ID.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7842245 | N/A | N/A |
| XXXXX | 409044278 |  |  | Closed | 2026-02-16 09:09 | 2026-03-09 09:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. BORROWING ENTITY TAX ID - Buyer-02/24/2026 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026<br>| XXXXXXX XXXXXXX - BORROWING ENTITY TAX ID.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7632108 | N/A | N/A |
| XXXXX | 409045787 |  |  | Closed | 2026-03-06 12:50 | 2026-03-25 15:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Documentation provided in file - cleared - Due Diligence Vendor-03/10/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please review pages 140 - 153 of the shipped loan package for the XXXXXXXX XXXXXXXXXX XXXXXX dated XX/XX/XXXX - XX/XX/XXXX. Kindly waive this condition as the document was provided at loan delivery. Thank you for your assistance. - Buyer-03/09/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Guidelines for Asset Utilization require 6-month seasoning of all assets. The account used for income, ending in #XXXX, only has 5 months in file. Missing XX/XX/XXXX statement. - Due Diligence Vendor-03/06/2026 |  | Resolved-Documentation provided in file - cleared - Due Diligence Vendor-03/10/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7976679 | N/A | N/A |
| XXXXX | 409044280 |  |  | Closed | 2026-02-12 14:10 | 2026-04-10 08:40 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026 <br>Acknowledged- - Due Diligence Vendor-03/12/2026 <br>Open- - Due Diligence Vendor-02/28/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7590856 | Investor Post-Close | No |
| XXXXX | 409044280 |  |  | Closed | 2026-02-12 14:10 | 2026-02-28 14:20 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026 <br> Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Appraisal delivery date XX/XX/XXXX is prior to Appraisal signature date XX/XX/XXXX, This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026<br>| XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7590857 | N/A | N/A |
| XXXXX | 409044280 |  |  | Closed | 2026-02-12 10:15 | 2026-02-24 13:24 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Seller-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. IEADS attached. - Seller-02/23/2026<br>| Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7585415 | N/A | N/A |
| XXXXX | 409044280 |  |  | Closed | 2026-02-12 13:42 | 2026-02-20 07:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Gap credit report provided which verified the new credit. Condition cleared. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Please see the recently uploaded Pre-Close Credit Report, reporting the newly opened Wells Fargo card. Thank you. - Buyer-02/19/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing supporting document for a newly opened revolving account with payment of $XXX.XX verified per credit inquiries. - Due Diligence Vendor-02/12/2026 |  | Resolved-Gap credit report provided which verified the new credit. Condition cleared. - Due Diligence Vendor-02/20/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7589821 | N/A | N/A |
| XXXXX | 409044280 |  |  | Closed | 2026-02-12 13:47 | 2026-02-20 07:11 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Gap credit report verified new credit. Condition cleared. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Please see the recently uploaded Pre-Close Credit Report, reporting the newly opened XXXXX XXXXX card. Thank you. - Buyer-02/19/2026 <br> Open-Missing supporting document for a newly opened revolving account with payment of $XXX.XX verified per credit inquiries. - Due Diligence Vendor-02/12/2026 |  | Resolved-Gap credit report verified new credit. Condition cleared. - Due Diligence Vendor-02/20/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7589893 | N/A | N/A |
| XXXXX | 409044280 |  |  | Closed | 2026-02-13 07:34 | 2026-02-20 07:08 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see the attached Gap Report. Thank you. - Buyer-02/19/2026 <br> Open-Borrower 1 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is missing in file. - Due Diligence Vendor-02/13/2026 |  | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026<br>| XXXXXXX Pre-Close Credit Report.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7606081 | N/A | N/A |
| XXXXX | 409044281 |  |  | Closed | 2026-02-20 07:46 | 2026-02-24 13:53 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/20/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7718067 | N/A | N/A |
| XXXXX | 409044281 |  |  | Closed | 2026-02-20 07:42 | 2026-02-23 07:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Buyer-02/20/2026 <br>Open-Borrower 2 Gap Credit Report is Missing Required per lender guideline. Gap credit within 10 business days of closing is missing - Due Diligence Vendor-02/20/2026 |  | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX Pre-Close Credit Report.pdf |  |  | XX | Primary Residence | Purchase | NA | 7717996 | N/A | N/A |
| XXXXX | 409044281 |  |  | Closed | 2026-02-20 07:42 | 2026-02-23 07:46 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Buyer-02/20/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Required per lender guideline. Gap credit within 10 business days of closing is missing - Due Diligence Vendor-02/20/2026 |  | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX Pre-Close Credit Report.pdf |  |  | XX | Primary Residence | Purchase | NA | 7717995 | N/A | N/A |
| XXXXX | 409044282 |  |  | Closed | 2026-02-16 08:55 | 2026-03-27 15:52 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/20/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XX,XXX.XX less cash to close of $XXX,XXX.XX = $XXX,XXX.XX shortage of funds to close.<br> - Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/27/2026<br>| FINAL 1031 BALANCE.pdf<br>SUBJECT Final SASS-HUD-1 SHOWING RECEIPT OF 1031 FUNDS.pdf<br>1031 EXCHANGE FUNDS TO CLOSE.pdf<br>SALE OF REO FOR CASH TO CLOSE.pdf |  |  | XX | Investment | Purchase | NA | 7631900 | N/A | N/A |
| XXXXX | 409044297 |  |  | Closed | 2026-02-16 12:12 | 2026-02-24 13:58 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br> Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br> Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7635986 | N/A | N/A |
| XXXXX | 409044297 |  |  | Closed | 2026-02-16 06:49 | 2026-02-24 13:58 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. E CONSENT - Buyer-02/19/2026 <br> Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/16/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026<br>| XXXXXXX XXXXXXX - E CONSENT INITIAL DISCLOSURES.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7629837 | N/A | N/A |
| XXXXX | 409045761 |  |  | Closed | 2026-03-25 15:37 | 2026-04-29 08:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/28/2026 <br> Resolved-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/13/2026 <br> Acknowledged- - Due Diligence Vendor-03/25/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/28/2026 <br>Resolved-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/13/2026<br>|  |  |  | XX | Investment | Purchase | NA | 8320412 | Investor Post-Close | No |
| XXXXX | 409045795 |  |  | Closed | 2026-03-04 07:10 | 2026-03-11 10:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-LOX provided by Lender - not required - condition cleared - Due Diligence Vendor-03/11/2026 <br> Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-03/11/2026 <br> Ready for Review-After consulting with the Processing team, they clarified that there is no master condo policy, as this is a unique situation where a side-by-side property was converted into a condo without an XXX. Thank you. - Buyer-03/10/2026 <br> Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-03/04/2026 |  | Resolved-LOX provided by Lender - not required - condition cleared - Due Diligence Vendor-03/11/2026 <br>Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-03/11/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7915908 | N/A | N/A |
| XXXXX | 409044345 |  |  | Closed | 2026-02-16 07:57 | 2026-02-24 14:12 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7631000 | N/A | N/A |
| XXXXX | 409044345 |  |  | Closed | 2026-02-16 07:57 | 2026-02-24 14:12 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. E CONSENTS - Buyer-02/19/2026 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing - Due Diligence Vendor-02/16/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026<br>| XXXXXXX XXXXXXX - E CONSENT XX/XX/XXXX.pdf<br> XXXXXXX XXXXXXX - E CONSENT.pdf |  |  | XX | Primary Residence | Purchase | NA | 7631002 | N/A | N/A |
| XXXXX | 409044345 |  |  | Closed | 2026-02-16 08:33 | 2026-02-20 09:15 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided Initial CD. Condition cleared. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. See attached initial CD. - Seller-02/20/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 | Ready for Review-Document Uploaded. See attached initial CD. - Seller-02/20/2026<br>| Resolved-Lender provided Initial CD. Condition cleared. - Due Diligence Vendor-02/20/2026<br>| XXXXXXX - Initial CD.pdf |  |  | XX | Primary Residence | Purchase | NA | 7631591 | N/A | N/A |
| XXXXX | 409044344 |  |  | Closed | 2026-02-16 11:41 | 2026-04-10 06:37 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Resolved-Audited Reserves of 9.21 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. TOTAL ASSETS INCLUDED IN THE LOAN CLOSING PACKAGE - <br> XXX FUNDS HELD AT ESCROW $XX,XXX (COPY OF CHECK AND CONFIRMATION FROM ESCROW EMAIL FROM ESCROW). <br> GIFT FUNDS $XX,XXX WIRED TO ESCROW (GIFT LETTER AND WIRE RECEIPT).<br> XXX REFUND TO BORROWER VIA WIRE (ESCROW LEDGER AND OUTGOING WIRE RECEIPT) - Buyer-02/20/2026 <br> Open-Audited Reserves of 3.63 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-02/16/2026 |  | Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Resolved-Audited Reserves of 9.21 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-02/23/2026<br>| XXXXXXX XXXXXXX - XXX FUNDS RETURNED BACK TO THE BORROWER - LEDGER FROM ESCROW.pdf<br> XXXXXXX XXXXXXX - GIFT FUNDS.pdf<br> XXXXXXX XXXXXXX - XXX FUNDS HELD AT ESCROW $XX,XXX - XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7634846 | N/A | N/A |
| XXXXX | 409044344 |  |  | Closed | 2026-02-16 10:09 | 2026-02-24 13:26 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7633175 | N/A | N/A |
| XXXXX | 409044344 |  |  | Closed | 2026-02-17 07:40 | 2026-02-23 08:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. TOTAL ASSETS INCLUDED IN THE LOAN CLOSING PACKAGE - <br> XXX FUNDS HELD AT ESCROW $XX,XXX (COPY OF CHECK AND CONFIRMATION FROM ESCROW EMAIL FROM ESCROW). <br> GIFT FUNDS $XX,XXX WIRED TO ESCROW (GIFT LETTER AND WIRE RECEIPT).<br> XXX REFUND TO BORROWER VIA WIRE (ESCROW LEDGER AND OUTGOING WIRE RECEIPT) - Seller-02/20/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. TOTAL ASSETS INCLUDED IN THE LOAN CLOSING PACKAGE - <br> XXX FUNDS HELD AT ESCROW $XX,XXX (COPY OF CHECK AND CONFIRMATION FROM ESCROW EMAIL FROM ESCROW). <br> GIFT FUNDS $XX,XXX WIRED TO ESCROW (GIFT LETTER AND WIRE RECEIPT).<br> XXX REFUND TO BORROWER VIA WIRE (ESCROW LEDGER AND OUTGOING WIRE RECEIPT) - Seller-02/20/2026<br>| Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/23/2026<br>| XXXXXXX XXXXXXX - GIFT FUNDS.pdf<br> XXXXXXX XXXXXXX - XXX FUNDS RETURNED BACK TO THE BORROWER - LEDGER FROM ESCROW.pdf<br> XXXXXXX XXXXXXX - XXX FUNDS HELD AT ESCROW $XX,XXX - XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7650479 | N/A | N/A |
| XXXXX | 409044344 |  |  | Closed | 2026-02-16 11:24 | 2026-02-23 08:34 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $32241.96 - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. TOTAL ASSETS INCLUDED IN THE LOAN CLOSING PACKAGE - <br> XXX FUNDS HELD AT ESCROW $XX,XXX (COPY OF CHECK AND CONFIRMATION FROM ESCROW EMAIL FROM ESCROW). <br> GIFT FUNDS $XX,XXX WIRED TO ESCROW (GIFT LETTER AND WIRE RECEIPT).<br> XXX REFUND TO BORROWER VIA WIRE (ESCROW LEDGER AND OUTGOING WIRE RECEIPT) - Buyer-02/20/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $32241.96 Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount<br> - Due Diligence Vendor-02/16/2026 |  | Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $32241.96 - Due Diligence Vendor-02/23/2026<br>| XXXXXXX XXXXXXX - GIFT FUNDS.pdf<br> XXXXXXX XXXXXXX - XXX FUNDS RETURNED BACK TO THE BORROWER - LEDGER FROM ESCROW.pdf<br> XXXXXXX XXXXXXX - XXX FUNDS HELD AT ESCROW $XX,XXX - XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7634541 | N/A | N/A |
| XXXXX | 409045763 |  |  | Closed | 2026-03-10 15:37 | 2026-03-25 12:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided completed Patriot Act Form - Due Diligence Vendor-03/11/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. Please see the attached completed Patriot Act. Thank you. - Buyer-03/11/2026 <br>Open-Missing Borrower Identification - Borrower 1. The Patriot Act Form in file is signed but is not completed with the document information that was verified. - Due Diligence Vendor-03/10/2026 |  | Resolved-Lender provided completed Patriot Act Form - Due Diligence Vendor-03/11/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/11/2026<br>| XXXXXXX Patriot Act Complete.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8030409 | N/A | N/A |
| XXXXX | 409044326 |  |  | Closed | 2026-02-18 10:26 | 2026-04-10 08:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026 <br>Acknowledged- - Due Diligence Vendor-03/17/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/18/2026 |  | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7678582 | Investor Post-Close | No |
| XXXXX | 409044326 |  |  | Closed | 2026-02-18 08:30 | 2026-02-24 13:43 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/18/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 7676067 | N/A | N/A |
| XXXXX | 409044334 |  |  | Closed | 2026-02-13 08:30 | 2026-02-24 13:38 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies.<br> &nbsp;&nbsp;&nbsp;&nbsp;- Due Diligence Vendor-02/13/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Investment | Purchase | NA | 7607298 | N/A | N/A |
| XXXXX | 409044334 |  |  | Closed | 2026-02-17 11:39 | 2026-02-20 09:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Please see the attached Gap Credit Report. Thank you. - Buyer-02/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing The lender guideline 12.1.6 required a pre-close credit report or a Debt Monitoring Service dated within 10 business days of closing. The file is missing either a pre-close credit report or a Debt Monitoring Service dated within 10 business days of closing - Due Diligence Vendor-02/17/2026 |  | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026<br>| XXXXXXX Gap Report.pdf |  |  | XX | Investment | Purchase | NA | 7658712 | N/A | N/A |
| XXXXX | 409044299 |  |  | Closed | 2026-02-18 08:03 | 2026-02-24 14:06 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/18/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7675450 | N/A | N/A |
| XXXXX | 409044333 |  |  | Closed | 2026-02-19 16:01 | 2026-03-10 14:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/23/2026 <br> Resolved-VOR provided for missing period (XX/XX/XXXX to XX/XXXX). Rental history for the past 12 months has been provided. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see the attached VOR for XXXX XXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXXXX, XX XXXXX. Thank you. - Seller-02/20/2026 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements The lender guideline 12.6.1 requires verification of the most recent 12 months rental history. The file contains 2 VOR's that only cover the prior 7 months rental history. The file is missing verification of the prior 5 months rental history. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see the attached VOR for XXXX XXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXXX, XX XXXXX. Thank you. - Seller-02/20/2026<br>| Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/23/2026 <br> Resolved-VOR provided for missing period (XX/XXXX to XX/XXXX). Rental history for the past 12 months has been provided. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX VOR XXXX XXXXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7708309 | N/A | N/A |
| XXXXX | 409044333 |  |  | Closed | 2026-02-18 06:46 | 2026-03-01 16:41 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final settlement statement matches the PCCD. - Due Diligence Vendor-03/01/2026 <br> Ready for Review-To add further context, this was neither a tolerance nor timing violation. The costs that increased are not subject to tolerance and do not require a three day waiting period. We issued a PCCD after closing to accurately disclose the borrower fees and match the final SASS. We believe this is a non-material finding. - Buyer-02/27/2026 <br> Ready for Review-No final CD was provided because only the interest and taxes increased, which are not subject to tolerance. The borrower did receive a CD at least three days prior to closing (the initial CD), and we provided a PCCD after closing to the borrower. - Buyer-02/27/2026 <br> Counter-The finding is for the missing consummation Closing Disclosure. Note date XX/XX/XXXX. The loan file contained only the initial CD dated XX/XX/XXXX and post-close CD dated XX/XX/XXXX. The loan file is missing the closing/consummation CD. Compliance testing is not complete, additional conditions may apply. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is within the 0.125 tolerance. - Buyer-02/24/2026 <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-02/18/2026 |  | Resolved-Final settlement statement matches the PCCD. - Due Diligence Vendor-03/01/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7674011 | N/A | N/A |
| XXXXX | 409044333 |  |  | Closed | 2026-02-18 08:16 | 2026-02-25 07:48 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Corrected Closing Disclosure Prior and (Last CD Not In Person)(APR) | Resolved-Initial CD dated XX/XX/XXXX APR is 6.985% and post-close CD dated XX/XX/XXXX APR is 7.021%, a variance of 0.036. Re-disclosure is not required. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is within the 0.125 tolerance. - Seller-02/24/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open-The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which is not at least 6 business days before the consummation date of (XX/XX/XXXX). The (0.0) APR disclosed on the Prior Closing Disclosure provided on (XX/XX/XXXX) is inaccurate when compared to the Last Disclosed Closing Disclosure APR (7.021). Under Regulation Z, if the APR is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XX/XX/XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which is not at least 6 business days before the consummation date of (XX/XX/XXXX) - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 | Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is within the 0.125 tolerance. - Seller-02/24/2026<br>| Resolved-Initial CD dated XX/XX/XXXX APR is 6.985% and post-close CD dated XX/XX/XXXX APR is 7.021%, a variance of 0.036. Re-disclosure is not required. Condition cleared. - Due Diligence Vendor-02/25/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7675729 | N/A | N/A |
| XXXXX | 409044333 |  |  | Closed | 2026-02-18 08:16 | 2026-02-25 07:47 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Corrected Closing Disclosure Prior Disclosed APR and Last CD Not In Person | Resolved-Initial CD dated XX/XX/XXXX APR is 6.985% and post-close CD dated XX/XX/XXXX APR is 7.021%, a variance of 0.036. Re-disclosure is not required. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is within the 0.125 tolerance. - Seller-02/24/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open-The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which is not at least 6 business days before the consummation date of (XX/XX/XXXX). The (0.0) APR disclosed on the Prior Closing Disclosure provided on (XX/XX/XXXX) is inaccurate when compared to the actual APR of (7.019). Under Regulation Z, if the APR is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XX/XX/XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which is not at least 6 business days before the consummation date of (XX/XX/XXXX) - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 | Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is within the 0.125 tolerance. - Seller-02/24/2026<br>| Resolved-Initial CD dated XX/XX/XXXX APR is 6.985% and post-close CD dated XX/XX/XXXX APR is 7.021%, a variance of 0.036. Re-disclosure is not required. Condition cleared. - Due Diligence Vendor-02/25/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7675723 | N/A | N/A |
| XXXXX | 409044333 |  |  | Closed | 2026-02-19 16:01 | 2026-02-23 08:50 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOR provided for missing period (XX/XXXX to XX/XXXX). Rental history for the past 12 months has been provided. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see the attached VOR for XXXX XXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXXX, XX XXXXX. Thank you. - Buyer-02/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The lender guideline 12.6.1 requires verification of the most recent 12 months rental history. The file contains 2 VOR's that only cover the prior 7 months rental history. The file is missing verification of the prior 5 months rental history. - Due Diligence Vendor-02/19/2026 |  | Resolved-VOR provided for missing period (XX/XXXX to XX/XX/XXXX). Rental history for the past 12 months has been provided. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX VOR XXXX XXXXXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7708308 | N/A | N/A |
| XXXXX | 409044333 |  |  | Closed | 2026-02-18 06:05 | 2026-02-23 08:41 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Please see the attached E-consent. Thank you. - Seller-02/20/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see the attached E-consent. Thank you. - Seller-02/20/2026<br>| Resolved-E-Consent documentation for borrower(s) provided. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX XXXXXX E-Consent.pdf |  |  | XX | Primary Residence | Purchase | NA | 7673164 | N/A | N/A |
| XXXXX | 409045765 |  |  | Closed | 2026-03-09 09:39 | 2026-03-25 15:33 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/13/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-03/09/2026 |  | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/16/2026<br>| XXXXXXX auth to close.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7997126 | N/A | N/A |
| XXXXX | 409045765 |  |  | Closed | 2026-03-09 12:34 | 2026-03-16 07:43 | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/13/2026 <br>Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-03/09/2026 |  | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026<br>| XXXXXXX auth to close.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 8001900 | N/A | N/A |
| XXXXX | 409045765 |  |  | Closed | 2026-03-09 12:26 | 2026-03-11 14:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 8001752 | Investor Post-Close | No |
| XXXXX | 409044301 |  |  | Closed | 2026-02-18 15:43 | 2026-02-23 09:01 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Buyer-02/20/2026 <br>Open-Borrower 1 Gap Credit Report is Missing The lender guideline 12.1.6 requires a gap credit report from at least one of three major national credit repositories, or a Debt Monitoring Service within 10 business days of closing. - Due Diligence Vendor-02/18/2026 |  | Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX Pre-Close Credit Report.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7685648 | N/A | N/A |
| XXXXX | 409044302 |  |  | Closed | 2026-02-16 09:47 | 2026-02-24 09:00 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-XXXXX XXXXXXX XXXXX XXX report was provided. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. XXXXX XXXXXXX per final cd. - Buyer-02/23/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. Based on the final closing disclosure, there was a secondary valuation ordered. No secondary valuation is present in the loan file. - Due Diligence Vendor-02/17/2026 |  | Resolved-XXXXX XXXXXXX XXXXX XXX report was provided. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX AVM-PCI report.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7632884 | N/A | N/A |
| XXXXX | 409044303 |  |  | Closed | 2026-02-17 13:56 | 2026-02-24 13:32 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/17/2026 |  | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7661685 | N/A | N/A |
| XXXXX | 409045768 |  |  | Closed | 2026-03-11 11:27 | 2026-03-11 11:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/11/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/11/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 8050115 | Investor Post-Close | No |
| XXXXX | 409044343 |  |  | Closed | 2026-02-17 16:20 | 2026-04-10 08:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026 <br>Acknowledged- - Due Diligence Vendor-03/02/2026 <br>Open- - Due Diligence Vendor-02/28/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/17/2026 |  | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7664309 | Investor Post-Close | No |
| XXXXX | 409044343 |  |  | Closed | 2026-02-17 16:10 | 2026-02-28 14:30 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-02/28/2026 <br>Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-02/17/2026 |  | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-02/28/2026<br>| XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7664166 | N/A | N/A |
| XXXXX | 409044343 |  |  | Closed | 2026-02-17 09:52 | 2026-02-24 14:10 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/17/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7654544 | N/A | N/A |
| XXXXX | 409045770 |  |  | Closed | 2026-02-18 09:12 | 2026-02-24 13:25 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-02/18/2026 |  | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7676993 | N/A | N/A |
| XXXXX | 409044319 |  |  | Closed | 2026-02-17 07:54 | 2026-02-24 13:57 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/17/2026 |  | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7651001 | N/A | N/A |
| XXXXX | 409044319 |  |  | Closed | 2026-02-17 10:23 | 2026-02-23 09:28 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/20/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. The appraisal was delivered electronically. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/17/2026 |  | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| ECONSENT.pdf |  |  | XX | Primary Residence | Purchase | NA | 7656684 | N/A | N/A |
| XXXXX | 409044306 |  |  | Closed | 2026-02-17 12:52 | 2026-02-24 13:54 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/17/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7660596 | N/A | N/A |
| XXXXX | 409045796 |  |  | Closed | 2026-02-16 15:10 | 2026-03-06 15:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Hello. Please see the attached corrected and initialed Final URLA and signed LOE. Thank you for your help. - Buyer-03/05/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower's current address based on the 1003 provided, does not match the most recent lease in file. - Due Diligence Vendor-02/17/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/06/2026<br>| XXXXXXX LOE for Final URLA Address.pdf<br> XXXXXXX Final URLA with Address Corrected.pdf |  |  | XX | Primary Residence | Purchase | NA | 7640353 | N/A | N/A |
| XXXXX | 409045796 |  |  | Closed | 2026-02-16 15:22 | 2026-02-24 13:41 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 7640561 | N/A | N/A |
| XXXXX | 409045796 |  |  | Closed | 2026-02-16 13:23 | 2026-02-23 09:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application (1003) | Resolved-Lender provided final 1003. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Please see the attached Final URLA. Thank you. - Buyer-02/20/2026 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-02/16/2026 |  | Resolved-Lender provided final 1003. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX Final URLA.pdf |  |  | XX | Primary Residence | Purchase | NA | 7637820 | N/A | N/A |
| XXXXX | 409044308 |  |  | Closed | 2026-02-17 10:30 | 2026-04-10 08:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026 <br>Acknowledged- - Due Diligence Vendor-03/09/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/17/2026 |  | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7656826 | Investor Post-Close | No |
| XXXXX | 409044308 |  |  | Closed | 2026-02-17 10:35 | 2026-03-09 10:24 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/09/2026 <br>Resolved-Verification of HOA dues was provided. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/20/2026 <br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Required supporting documents to verify the HOA payment for the subject property. - Due Diligence Vendor-02/17/2026 |  | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/09/2026 <br>Resolved-Verification of HOA dues was provided. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| $XXX ANNUAL RD MAINTENANCE FEE.pdf |  |  | XX | Second Home | Purchase | NA | 7656931 | N/A | N/A |
| XXXXX | 409044308 |  |  | Closed | 2026-02-19 11:16 | 2026-02-24 14:09 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/19/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 7701834 | N/A | N/A |
| XXXXX | 409044308 |  |  | Closed | 2026-02-17 10:32 | 2026-02-23 09:40 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Verification of HOA dues was provided. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/20/2026 <br> Open-Required supporting documents to verify the XXX payment for the subject property. - Due Diligence Vendor-02/17/2026 |  | Resolved-Verification of XXX dues was provided. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| $XXX ANNUAL RD MAINTENANCE FEE.pdf |  |  | XX | Second Home | Purchase | NA | 7656866 | N/A | N/A |
| XXXXX | 409044310 |  |  | Closed | 2026-02-13 04:02 | 2026-02-27 05:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Borrowing Entity Tax ID was received. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Borrowing Entity Tax ID - IRS DOCUMENTATION CONFIRM EIN # FOR ENTITY - Buyer-02/18/2026 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/13/2026 |  | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026<br>| XXXXXXX XXXXXXX - Borrowing Entity Tax ID.pdf |  |  | XX | Investment | Purchase | NA | 7601932 | N/A | N/A |
| XXXXX | 409044310 |  |  | Closed | 2026-02-15 06:05 | 2026-02-19 16:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Certificate of organization from the State indicates the borrower is authorized as manager. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Managing Member - Secretary of the Commonwealth - Buyer-02/18/2026 <br>Open-Managing Member/Unanimous Consent Agreement is missing. - Due Diligence Vendor-02/15/2026 |  | Resolved-Certificate of organization from the State indicates the borrower is authorized as manager. - Due Diligence Vendor-02/19/2026<br>| XXXXXXX XXXXXXX - Managing Member - Secretary of the Commonwealth.pdf |  |  | XX | Investment | Purchase | NA | 7624451 | N/A | N/A |
| XXXXX | 409044311 |  |  | Closed | 2026-02-15 08:32 | 2026-03-09 09:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. EIN uploaded - Buyer-02/24/2026 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/15/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026<br>| EIN.pdf |  |  | XX | Investment | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXX | 409044311 |  |  | Closed | 2026-02-17 17:52 | 2026-02-25 05:34 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Documentation received, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. The current Expanded DSCR reference guide requires a X% LTV reduction for inexperienced investors, the reference guide in effect when this loan closed on XX/XX/XXXX did not have that requirement. - Buyer-02/23/2026 <br> Open-Audited LTV of XX% exceeds Guideline LTV of 75% Borrower is inexperienced investor, hence X% reduced in LTV as per guideline. - Due Diligence Vendor-02/17/2026 |  | Resolved-Documentation received, finding resolved. - Due Diligence Vendor-02/25/2026<br>| XXXXXXX LTV comments and DSCR ref guide.pdf |  |  | XX | Investment | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXX | 409044314 |  |  | Closed | 2026-02-18 09:05 | 2026-04-10 14:55 | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H9 | Acknowledged-H9 SFA Position- B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/18/2026 - Due Diligence Vendor-04/10/2026 <br>Acknowledged- - Due Diligence Vendor-03/17/2026 <br>Open-TILA: Incorrect NORTC model provided - H9 SFA Position- B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/18/2026 |  | Acknowledged-H9 SFA Position- B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/18/2026 - Due Diligence Vendor-04/10/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXX | 409044314 |  |  | Closed | 2026-02-17 09:29 | 2026-02-24 14:05 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies.<br> &nbsp;&nbsp;&nbsp;&nbsp;- Due Diligence Vendor-02/17/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXX | 409045772 |  |  | Closed | 2026-02-15 13:32 | 2026-02-24 13:42 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026 <br>Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies.<br> &nbsp;&nbsp;&nbsp;&nbsp;- Due Diligence Vendor-02/15/2026 |  | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026 <br>Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026<br>| XXXXXXX XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXX | 409045772 |  |  | Closed | 2026-02-15 13:32 | 2026-02-24 13:42 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/24/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/20/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/15/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/24/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| ECONSENT.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXX | 409045772 |  |  | Closed | 2026-02-15 15:10 | 2026-02-23 10:26 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-E-Consent dated XX/XX/XXXX was provided which is prior to appraisal delivery dates of XX/XX/XXXX and XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026<br>| Resolved-E-Consent dated XX/XX/XXXX was provided which is prior to appraisal delivery dates of XX/XX/XXX and XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| ECONSENT.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |

---

## Exhibit 99.22

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 409045730 | 409045730 |  | 0763-001 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 409044230 | 409044230 |  | 0763-003 | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 409044230 | 409044230 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409045733 | 409045733 |  | 0763-001 | Qualifying CLTV | propertyValuationPage | 56.94 | 56.95 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409045733 | 409045733 |  | 0763-001 | Qualifying LTV | propertyValuationPage | 56.94 | 56.95 | Audit Value of Subject Lien / Qualifying Value |
| 409045733 | 409045733 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.95 | 14.96 | DTI difference is less than 1% and within lender tolerance.  |
| 409045784 | 409045784 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.71 | 42.40 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |
| 409045735 | 409045735 |  | 0763-001 | Qualifying CLTV | propertyValuationPage | 70.41 | 70.42 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409045735 | 409045735 |  | 0763-001 | Qualifying LTV | propertyValuationPage | 70.41 | 70.42 | Audit Value of Subject Lien / Qualifying Value |
| 409045735 | 409045735 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.45 | 42.58 | DTI difference is less than 1% and within lender tolerance.  |
| 409045736 | 409045736 |  | 0763-001 | Qualifying Loan Amount | propertyValuationPage | $XXXXX | $XXXXX | Audit value pulled from Note. |
| 409044237 | 409044237 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044239 | 409044239 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044243 | 409044243 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044245 | 409044245 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044245 | 409044245 |  | 0763-003 | Borrower 2 Origination FICO  | creditLiabilitiesPage | 730 | 728 | Audit value pulled from documents located in the loan file. |
| 409045742 | 409045742 |  | 0763-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXX | $XXXXX | Audit Value Pulled From Appraisal. |
| 409044249 | 409044249 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409045744 | 409045744 |  | 0763-001 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 409045744 | 409045744 |  | 0763-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXX | $XXXXX | Audit Value Pulled From Appraisal. |
| 409045744 | 409045744 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.96 | 18.22 | Audit liabilities were based on documents in the loan file.  |
| 409044252 | 409044252 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044253 | 409044253 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044254 | 409044254 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044255 | 409044255 |  | 0763-001 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044328 | 409044328 |  | 0763-001 | Interest Only Flag | notePage | Yes | No | Audit Value Pulled From Note. |
| 409044328 | 409044328 |  | 0763-001 | Qualifying Loan Amount | propertyValuationPage | $XXXXX | $XXXXX | Audit Value Pulled From Note. |
| 409044259 | 409044259 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044260 | 409044260 |  | 0763-001 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file |
| 409044261 | 409044261 |  | 0763-001 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409045785 | 409045785 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.05 | 28.60 | Audit reflects difference in qualifying P & I than the approval. |
| 409044264 | 409044264 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value based on documents located in the loan file. |
| 409045752 | 409045752 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.22 | 44.26 | Lender used .5% vs 1% for deferred student loans  |
| 409044265 | 409044265 |  | 0763-001 | Qualifying CLTV | propertyValuationPage | 49.71 | 49.72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409044265 | 409044265 |  | 0763-001 | Qualifying LTV | propertyValuationPage | 49.71 | 49.72 | Audit Value of Subject Lien / Qualifying Value |
| 409044265 | 409044265 |  | 0763-001 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044274 | 409044274 |  | 0763-001 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409045755 | 409045755 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.09 | 17.70 | Audit omitted installment loan with < 10 payments remaining.  |
| 409044275 | 409044275 |  | 0763-003 | Qualifying LTV | propertyValuationPage | 55.18 | 55.19 | Audit Value of Subject Lien / Qualifying Value |
| 409044275 | 409044275 |  | 0763-003 | Qualifying CLTV | propertyValuationPage | 55.18 | 55.19 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409044275 | 409044275 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044276 | 409044276 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value based on documents located in the loan file. |
| 409044277 | 409044277 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044278 | 409044278 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409045787 | 409045787 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.21 | 32.22 | Rounding.  |
| 409044280 | 409044280 |  | 0763-001 | Qualifying LTV | propertyValuationPage | 78.7 | 78.71 | Rounding |
| 409044280 | 409044280 |  | 0763-001 | Qualifying CLTV | propertyValuationPage | 78.7 | 78.71 | Rounding |
| 409044282 | 409044282 |  | 0763-003 | Qualifying CLTV | propertyValuationPage | 43.09 | 43.10 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 409044282 | 409044282 |  | 0763-003 | Qualifying LTV | propertyValuationPage | 43.09 | 43.10 | Audit Value of Subject Lien / Qualifying Value. |
| 409044284 | 409044284 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044286 | 409044286 |  | 0763-003 | Interest Only Flag | notePage | Yes | No | Audit Value Pulled From Note. |
| 409044286 | 409044286 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044287 | 409044287 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in loan file |
| 409044288 | 409044288 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in loan file |
| 409044291 | 409044291 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044292 | 409044292 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044293 | 409044293 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044296 | 409044296 |  | 0763-003 | Qualifying CLTV | propertyValuationPage | 29.41 | 29.42 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409044296 | 409044296 |  | 0763-003 | Qualifying LTV | propertyValuationPage | 29.41 | 29.42 | Audit Value of Subject Lien / Qualifying Value |
| 409044296 | 409044296 |  | 0763-003 | Interest Only Flag | notePage | Yes | No | Audit value pulled from Note |
| 409044296 | 409044296 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409045761 | 409045761 |  | 0763-001 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409045761 | 409045761 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.7 | 47.59 | DTI difference is less than 1% and within lender tolerance.  |
| 409044345 | 409044345 |  | 0763-001 | Qualifying CLTV | propertyValuationPage | 61.27 | 61.28 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409044345 | 409044345 |  | 0763-001 | Qualifying LTV | propertyValuationPage | 61.27 | 61.28 | Audit Value of Subject Lien / Qualifying Value |
| 409044345 | 409044345 |  | 0763-001 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 409045764 | 409045764 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.89 | 12.88 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| 409044326 | 409044326 |  | 0763-001 | Qualifying CLTV | propertyValuationPage | 57.69 | 57.70 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 409044326 | 409044326 |  | 0763-001 | Qualifying LTV | propertyValuationPage | 57.69 | 57.70 | Audit Value of Subject Lien / Qualifying Value. |
| 409044334 | 409044334 |  | 0763-001 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value based on documents located in the loan file. |
| 409044300 | 409044300 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409045789 | 409045789 |  | 0763-001 | Qualifying LTV | propertyValuationPage | 51.81 | 51.82 | Audit Value of Subject Lien / Qualifying Value |
| 409045789 | 409045789 |  | 0763-001 | Qualifying CLTV | propertyValuationPage | 51.81 | 51.82 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409045789 | 409045789 |  | 0763-001 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 409044302 | 409044302 |  | 0763-001 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044302 | 409044302 |  | 0763-001 | Qualifying Loan Amount | propertyValuationPage | $XXXXX | $XXXXX | Audit Value Pulled From Note. |
| 409045768 | 409045768 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.34 | 15.54 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| 409045769 | 409045769 |  | 0763-001 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 409045769 | 409045769 |  | 0763-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXX | $XXXXX | Audit value pulled from Appraisal. |
| 409045769 | 409045769 |  | 0763-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.67 | 39.57 | Audit reflects difference in subject homeowner's insurance per documents in the loan file.  |
| 409044343 | 409044343 |  | 0763-001 | Interest Only Flag | notePage | Yes | No | Audit Value Pulled From Note. |
| 409044343 | 409044343 |  | 0763-001 | Qualifying Loan Amount | propertyValuationPage | $XXXXX | $XXXXX | Audit Value Pulled From Note. |
| 409044306 | 409044306 |  | 0763-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 409044308 | 409044308 |  | 0763-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXX | $XXXXX | Audit Value Pulled From Appraisal. |
| 409044310 | 409044310 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044311 | 409044311 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409044315 | 409044315 |  | 0763-003 | Qualifying CLTV | propertyValuationPage | 60.68 | 60.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409044315 | 409044315 |  | 0763-003 | Qualifying LTV | propertyValuationPage | 60.68 | 60.69 | Audit Value of Subject Lien / Qualifying Value |
| 409044315 | 409044315 |  | 0763-003 | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 409045772 | 409045772 |  | 0763-001 | Qualifying CLTV | propertyValuationPage | 69.97 | 69.98 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409045772 | 409045772 |  | 0763-001 | Qualifying LTV | propertyValuationPage | 69.97 | 69.98 | Audit Value of Subject Lien / Qualifying Value |

---

## Exhibit 99.23

![](logo_clarifii.jpg)

### EXECUTIVE SUMMARY

### SPIRE 2026-3

### By Clarifii LLC on June 4, 2026

SPIRE 2026-3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

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#### <br>CLARIFII CONTACT INFORMATION

---

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

---

#### OVERVIEW

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 26 Loans (the "Loans") originated by a correspondent lender and acquired by Aspire Sponsor, LLC (the "Client") or its affiliates for the SPIRE 2026-3 transaction. The loan were selected for the SPRIRE 2026-3 transaction by Aspire Sponsor, LLC. The Loans referenced in this narrative report were reviewed between 06/2025 to 03/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

#### ORIGINATORS

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **% of Pool** | **Original Balance** |
| Retail | 8 | 30.77% | $6334700.00 |
| Correspondent Flow with Delegated UW | 1 | 3.85% | $147000.00 |
| Wholesale | 17 | 65.38% | $6521300.00 |
| **Total** | **26** | **100.00%** | **$13003000.00** |

---

The Review consisted of a population of 26 Loans, with an aggregate principal balance of $13,003,000.00.

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

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

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

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

SPIRE 2026-3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

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

---

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

---

| |
|:---|
| **Data Comparison Field** |
| Amortization Term |
| Amount of Other Lien |
| Application Date |
| Balloon Flag |
| Borrower 1 Any Outstanding Judgments? |
| Borrower 1 Any part of down payment borrowed? |
| Borrower 1 Bankruptcy in past 7 years? |
| Borrower 1 Birthdate |
| Borrower 1 Citizen |
| Borrower 1 Country Name |
| Borrower 1 Credit Report Date |
| Borrower 1 Do you intend to occupy property as primary residence? |
| Borrower 1 Email or Internet |
| Borrower 1 Employer 1 Position |
| Borrower 1 Employer 1 Years in Line of Work |
| Borrower 1 Employer 2 Position |
| Borrower 1 Employer 2 Self-Employment Flag |
| Borrower 1 Ethnicity - I do not wish to provide this information |
| Borrower 1 Ethnicity - Not Hispanic or Latino |
| Borrower 1 Ethnicity Visual Observation or Surname |
| Borrower 1 Face-to-Face Interview |
| Borrower 1 First Name |
| Borrower 1 Foreclosure in past 7 years? |
| Borrower 1 FTHB |
| Borrower 1 Has there been ownership in a property in last 3 yrs |
| Borrower 1 How was title held? |
| Borrower 1 Last Name |
| Borrower 1 Marital Status |
| Borrower 1 Name of Employer1 |

---

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| |
|:---|
| Borrower 1 Name of Employer 2 |
| Borrower 1 Originator Citizenship Designation |
| Borrower 1 Qualifying Income |
| Borrower 1 Race - I do not wish to provide this information |
| Borrower 1 Race - White |
| Borrower 1 Rent or Own |
| Borrower 1 Self-Employment Flag |
| Borrower 1 Sex - Female |
| Borrower 1 Sex - I do not wish to provide this information |
| Borrower 1 Sex - Male |
| Borrower 1 Sex Visual Observation or Surname |
| Borrower 1 SSN |
| Borrower 1 Telephone Interview |
| Borrower 1 Years in Current Home |
| Borrower 2 Birthdate |
| Borrower 2 Citizen |
| Borrower 2 Do you intend to occupy property as primary residence? |
| Borrower 2 Email or Internet |
| Borrower 2 Employer 1 Position |
| Borrower 2 Employer 1 Years in Line of Work |
| Borrower 2 Ethnicity - I do not wish to provide this information |
| Borrower 2 Ethnicity - Not Hispanic or Latino |
| Borrower 2 Ethnicity Visual Observation or Surname |
| Borrower 2 First Name |
| Borrower 2 Last Name |
| Borrower 2 Marital Status |
| Borrower 2 Name of Employer1 |
| Borrower 2 Race - I do not wish to provide this information |
| Borrower 2 Race - White |
| Borrower 2 Rent or Own |
| Borrower 2 Self-Employment Flag |
| Borrower 2 Sex - I do not wish to provide this information |
| Borrower 2 Sex - Male |
| Borrower 2 SSN |
| Borrower 2 Telephone Interview |
| Borrower 2 Years in Current Home |
| Calculated DSCR |
| Cash Disbursement Date |
| Cash out Include Debt Paid at Close |
| FHA Streamline/VA IRRL Indicator |
| Final Reviewed QM Status |
| First Payment Date |
| Initial Monthly P&I Or IO Payment |

---

SPIRE 2026-3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

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![](logo_clarifii.jpg)<br>

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| |
|:---|
| Interest Only Flag |
| Interest Only Term |
| Interest Rate |
| Investor Loan ID |
| Lien Position |
| Loan Amount |
| Loan ID |
| Loan Origination Company |
| Loan Origination Company NMLS |
| Loan Program |
| Loan Purpose |
| Loan Type |
| Maturity Date |
| MIN No |
| Monthly Hazard Insurance Premium |
| Monthly Property Tax Amount |
| Negative Amortization Flag |
| Note Date |
| Note Type |
| Number of Borrowers |
| Number of Mortgaged Properties |
| Number of Units |
| Occupancy |
| Origination Foreclosure Flag |
| Originator Doc Type |
| Originator QM Status |
| Payment Frequency |
| Prepayment Penalty Flag |
| Prepayment Penalty Total Term |
| Primary Appraised Property Value |
| Property Address |
| Property City |
| Property County |
| Property Rights |
| Property State |
| Property Type |
| Property Value |
| Property Zip Code |
| Proposed First Mortgage P&I |
| Proposed Hazard Insurance |
| Proposed Housing Expense |
| Proposed Real Estate Taxes |
| Qualifying Amortization Term |

---

SPIRE 2026-3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

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![](logo_clarifii.jpg)<br>

---

| |
|:---|
| Qualifying CLTV |
| Qualifying FICO |
| Qualifying Housing Debt Income Ratio |
| Qualifying LTV |
| Qualifying Total Debt Income Ratio |
| Qualifying Total Housing Expense PITIA |
| Qualifying Total Reserves Number of Months |
| Refinance Type |
| Sales Price |
| Seller Loan ID |
| Term |
| Total Qualified Assets Available For Reserves |
| Total Qualifying Income |
| ULI |
| Underwriting Guideline Name |
| Verified Doc Type |

---

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

• **Loan Attributes**

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

<br> - Assets and Reserves

<br> - Gross Income

<br> - Lien Position

<br> - Loan Purpose

<br> - Housing History

<br> - Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

<br> - Monthly Debt

<br> - Occupancy

<br> - Property Type

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

<br> - Debt to Income Ratio (DTI)

<br> - Residual Income

<br> - Debt Service Coverage Ratio (DSCR)

• **Credit Application** 

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

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

<br> - Borrower(s) employment history

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![](logo_clarifii.jpg)

<br> - Citizenship and eligibility

<br> - First time home buyer status

<br> - The application was signed by all borrowers

<br> - The application was substantially complete

• **Credit History**

Clarifii verified the following items:

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

<br> - Bankruptcy and foreclosure seasoning

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

<br> - Installment and revolving payment history

<br> - Mortgage/Rental payment history

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

<br> - Number of tradelines

<br> - Credit Score(s) and Qualifying Score Methodology

• **Employment and Income**

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

<br> - Tax returns

<br> - Financial statements

<br> - Paystubs

<br> - IRS Form W-2s

<br> - IRS Form 1099

<br> - IRS documents

<br> - Bank statements

<br> - Lease agreements

<br> - Award letters

<br> - Other documentation in Loan file

• **Fraud Review**

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

<br> - Borrower identity

<br> ◾ Social Security inconsistencies

<br> ◾ Borrower name variations

<br> - Occupancy

<br> ◾ Borrower address history

<br> ◾ Subject property ownership history

<br> - Employment

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

<br> ◾ Mortgage lender/originator

<br> ◾ Loan officer

<br> - OFAC

• **Asset Review** 

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

<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

• **Property Insurance and Taxes**

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

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

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

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

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

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

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

Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines<br>

• **Debt Service Coverage Ratio (DSCR)**

<br> - Calculated DSCR, as required by guidelines

<br> - Confirmed documentation requirements have been met

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

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![](logo_clarifii.jpg)

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

• **Initial and Final 1003 Application**

• **Note**

• **Mortgage/Deed of Trust**

• **Appraisal**

• **Sales Contract**

• **Title Commitment/Policy**

• **Junior Lien/Subordination Agreement**

• **Mortgage Insurance**

• **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section**

• **Flood Certification**

• **Initial and Final Loan Estimate (LE)**

• **Initial and Final and Closing Disclosure (CD)**

• **Post-Consummation Closing Disclosure (PCCD), as applicable**

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

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

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

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

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

• **Compliance Documentation Requirements**

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

<br> - Initial and final application (1003)

<br> - Note, including all addendums

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

<br> - Mortgage / Deed of Trust, including all riders

<br> - Initial, Interim, and Final Loan Estimates (LE)

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![](logo_clarifii.jpg)

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

<br> - Notice of Right to Cancel (when applicable)

<br> - Rate Lock Date

<br> - HOEPA Disclosures (when applicable)

<br> - Initial Escrow Account Disclosure

• **Anti-Predatory Lending (Assignee Liability)**

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

• **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements**

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

**TILA/RESPA Integrated Disclosure Testing (TRID)**<br>

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

**Right of Rescission**<br>

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

**Qualified Mortgage and Ability to Repay**<br>

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

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

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

**Equal Credit Opportunity Act (ECOA)/Regulation B**<br>

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of<br>

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![](logo_clarifii.jpg)

appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

**Fair Credit Reporting Act (FRCA)/Regulation V**<br>

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

**Miscellaneous Compliance Testing**<br>

---

| | |
|:---|:---|
| ◾ | ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present in the Loan file. |

---

---

| | |
|:---|:---|
| ◾ | ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance policies or debt cancellation agreements present in the Loan file. |

---

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| | |
|:---|:---|
| ◾ | ***State prepayment and late charge restrictions*** – Clarifii reported instances where a prepayment penalty that exceeds the state permitted penalty has expired. |

---

• **State and Local Anti-Predatory Requirements**

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

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

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

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

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

<br> - Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

<br> - Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

<br> - District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

<br> - Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

<br> - Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

<br> - Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

<br> - Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

<br> - Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

<br> - Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

<br> - City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

<br> - Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

<br> - Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

<br> - Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

<br> - Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

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<br> - Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

<br> - Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

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

<br> - Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183I.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> - Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

<br> - The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

<br> - Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

<br> - Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

<br> - Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

<br> - Virginia Mortgage Lender and Broker Act (for Loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

<br> - Virginia Mortgage Lender and Broker Act (for Loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

<br> - Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

<br> - West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

<br> - Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

<br> - Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

• **Business Purpose Loan Compliance Review**

<br> - Non-Owner Occupied Declaration Disclosure

<br> a. Verify reflects correct address

<br> b. Verify application address is different from subject property

<br> c. Verify executed by all borrowers

<br> - Review Note accuracy and properly executed

<br> - Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

<br> - Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

<br> - Letter of Explanation detailing the use of proceeds.

<br> - Borrower's statement of purpose for the Loan.

<br> - State License requirements when applicable

<br> - State Predatory lending and high cost when applicable

#### QUALIFIED MORTGAGE (QM)
With respect to QM (Safe Harbor and Rebuttable Presumption) designated Loans, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, (i) the Loan contained risky Loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of

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consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

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

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

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

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

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

• **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)**

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

• **Uniform Standards of Professional Appraisal Practice (USPAP)**

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Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

INDEPENDENT THIRD-PARTY VALUES

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

Valuation Reconciliation Process:

• If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance, no additional products were required.

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

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

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

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

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

---

| | | | |
|:---|:---|:---|:---|
| **Valuation Product** | **# of Files – No Hit** | **# of Files > -10% Variance to OA or Confidence < 80%** | **Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| No Secondary Product | 0 | 0 | 0 |
| AVM | 0 | 0 | 0 |
| BPO | 0 | 0 | 0 |
| LCA and/or CU Score <=2.5 | 0 | 0 | 12 |
| Desk Review | 0 | 0 | 14 |
| Field Review | 0 | 0 | 0 |
| Second Full Appraisal | 0 | 0 | 0 |

---

#### DUE DILIGENCE GRADING CRITERIA

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

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

#### Final Event Grade

---

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

---

#### Credit Event Grade

---

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

---

#### Valuation Event Grade

---

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

---

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**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

#### Compliance Event Grade

---

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

---

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

#### Final Overall Loan Grade Results

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall Grade** | **Loan Count** | **% of Sample** |
| A | 19 | 73.08% |
| B | 7 | 26.92% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **26** | **100.00%** |

---

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

#### Final Credit Component Grade Results
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| | | |
|:---|:---|:---|
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |
| **Credit Grade** | **Loan Count** | **% of Sample** |
| A | 20 | 76.92% |
| B | 6 | 23.08% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **26** | **100.00%** |

---

#### Final Property Valuation Grade Results

---

| | | |
|:---|:---|:---|
| **Property Grade Summary** | **Property Grade Summary** | **Property Grade Summary** |
| **Property Grade** | **Loan Count** | **% of Sample** |
| A | 26 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **26** | **100.00%** |

---

Final Regulatory Compliance Grade Results

---

| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |
| **Compliance Grade** | **Loan Count** | **% of Sample** |
| A | 25 | 96.15% |
| B | 1 | 3.85% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **26** | **100.00%** |

---

#### ADDITIONAL LOAN SUMMARY DETAILS

#### Amortization Type

---

| | | | |
|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Pool** | **Original Balance** |
| Fixed | 26 | 100.00% | $13003000.00 |
| **Total** | **26** | **100.00%** | **$13003000.00** |

---

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#### Occupancy

---

| | | | |
|:---|:---|:---|:---|
| **Occupancy** | **Loan Count** | **% of Pool** | **Original Balance** |
| Primary Residence | 6 | 23.08% | $2985500.00 |
| Second Home | 1 | 3.84% | $367500.00 |
| Investment | 19 | 73.08% | $9650000.00 |
| **Total** | **26** | **100.00%** | **$13003000.00** |

---

#### Loan Purpose

---

| | | | |
|:---|:---|:---|:---|
| **Loan Purpose** | **Loan Count** | **% of Pool** | **Original Balance** |
| Refinance | 20 | 76.92% | $10938500.00 |
| Purchase | 6 | 23.08% | $2064500.00 |
| **Total** | **26** | **100.00%** | **$13003000.00** |

---

#### Lien Position

---

| | | | |
|:---|:---|:---|:---|
| **Lien Position** | **Loan Count** | **% of Pool** | **Original Balance** |
| 1 | 26 | 100.00% | $13003000.00 |
| **Total** | **26** | **100.00%** | **$13003000.00** |

---

#### Original Term

---

| | | | |
|:---|:---|:---|:---|
| **Original Term** | **Loan Count** | **% of Pool** | **Original Balance** |
| 360 | 26 | 100.00% | $13003000.00 |
| **Total** | **26** | **100.00%** | **$13003000.00** |

---

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

#### Summary of Data Compare Results

---

| | | | |
|:---|:---|:---|:---|
| **Data Comparison Field** | **Loans With Discrepancy** | **Total Times Compared** | **Accuracy %** |
| Amortization Term | 0 | 14 | 100.00% |
| Amount of Other Lien | 2 | 7 | 71.43% |
| Application Date | 4 | 13 | 69.23% |
| Balloon Flag | 0 | 13 | 100.00% |
| Borrower 1 Any Outstanding Judgments? | 0 | 13 | 100.00% |
| Borrower 1 Any part of down payment borrowed? | 0 | 8 | 100.00% |
| Borrower 1 Bankruptcy in past 7 years? | 1 | 21 | 95.24% |
| Borrower 1 Birthdate | 0 | 13 | 100.00% |
| Borrower 1 Citizen | 1 | 13 | 92.31% |

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| | | | |
|:---|:---|:---|:---|
| Borrower 1 Country Name | 0 | 13 | 100.00% |
| Borrower 1 Credit Report Date | 0 | 8 | 100.00% |
| Borrower 1 Do you intend to occupy property as primary residence? | 2 | 12 | 83.33% |
| Borrower 1 Email or Internet | 0 | 4 | 100.00% |
| Borrower 1 Employer 1 Position | 0 | 1 | 100.00% |
| Borrower 1 Employer 1 Years in Line of Work | 0 | 1 | 100.00% |
| Borrower 1 Employer 2 Position | 0 | 1 | 100.00% |
| Borrower 1 Employer 2 Self-Employment Flag | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity - I do not wish to provide this information | 2 | 13 | 84.62% |
| Borrower 1 Ethnicity - Not Hispanic or Latino | 0 | 5 | 100.00% |
| Borrower 1 Ethnicity Visual Observation or Surname | 0 | 9 | 100.00% |
| Borrower 1 Face-to-Face Interview | 0 | 1 | 100.00% |
| Borrower 1 First Name | 0 | 26 | 100.00% |
| Borrower 1 Foreclosure in past 7 years? | 0 | 13 | 100.00% |
| Borrower 1 FTHB | 0 | 8 | 100.00% |
| Borrower 1 Has there been ownership in a property in last 3 yrs | 1 | 2 | 50.00% |
| Borrower 1 How was title held? | 0 | 4 | 100.00% |
| Borrower 1 Last Name | 0 | 26 | 100.00% |
| Borrower 1 Marital Status | 0 | 6 | 100.00% |
| Borrower 1 Name of Employer1 | 0 | 1 | 100.00% |
| Borrower 1 Name of Employer 2 | 0 | 1 | 100.00% |
| Borrower 1 Originator Citizenship Designation | 0 | 3 | 100.00% |
| Borrower 1 Qualifying Income | 1 | 5 | 80.00% |
| Borrower 1 Race - I do not wish to provide this information | 1 | 13 | 92.31% |
| Borrower 1 Race - White | 0 | 4 | 100.00% |
| Borrower 1 Rent or Own | 0 | 9 | 100.00% |
| Borrower 1 Self-Employment Flag | 0 | 1 | 100.00% |
| Borrower 1 Sex - Female | 0 | 1 | 100.00% |
| Borrower 1 Sex - I do not wish to provide this information | 0 | 13 | 100.00% |
| Borrower 1 Sex - Male | 0 | 4 | 100.00% |
| Borrower 1 Sex Visual Observation or Surname | 0 | 1 | 100.00% |
| Borrower 1 SSN | 0 | 17 | 100.00% |
| Borrower 1 Telephone Interview | 0 | 1 | 100.00% |
| Borrower 1 Years in Current Home | 0 | 8 | 100.00% |
| Borrower 2 Birthdate | 0 | 2 | 100.00% |
| Borrower 2 Citizen | 0 | 2 | 100.00% |
| Borrower 2 Do you intend to occupy property as primary residence? | 0 | 2 | 100.00% |
| Borrower 2 Email or Internet | 0 | 1 | 100.00% |

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| | | | |
|:---|:---|:---|:---|
| Borrower 2 Employer 1 Position | 0 | 1 | 100.00% |
| Borrower 2 Employer 1 Years in Line of Work | 0 | 1 | 100.00% |
| Borrower 2 Ethnicity - I do not wish to provide this information | 0 | 2 | 100.00% |
| Borrower 2 Ethnicity - Not Hispanic or Latino | 0 | 2 | 100.00% |
| Borrower 2 Ethnicity Visual Observation or Surname | 0 | 1 | 100.00% |
| Borrower 2 First Name | 0 | 3 | 100.00% |
| Borrower 2 Last Name | 0 | 3 | 100.00% |
| Borrower 2 Marital Status | 0 | 2 | 100.00% |
| Borrower 2 Name of Employer1 | 0 | 1 | 100.00% |
| Borrower 2 Race - I do not wish to provide this information | 0 | 2 | 100.00% |
| Borrower 2 Race - White | 0 | 2 | 100.00% |
| Borrower 2 Rent or Own | 0 | 2 | 100.00% |
| Borrower 2 Self-Employment Flag | 0 | 1 | 100.00% |
| Borrower 2 Sex - I do not wish to provide this information | 0 | 2 | 100.00% |
| Borrower 2 Sex - Male | 0 | 2 | 100.00% |
| Borrower 2 SSN | 0 | 2 | 100.00% |
| Borrower 2 Telephone Interview | 0 | 1 | 100.00% |
| Borrower 2 Years in Current Home | 0 | 2 | 100.00% |
| Calculated DSCR | 0 | 8 | 100.00% |
| Cash Disbursement Date | 0 | 9 | 100.00% |
| Cash out Include Debt Paid at Close | 1 | 1 | 0.00% |
| FHA Streamline/VA IRRL Indicator | 0 | 13 | 100.00% |
| Final Reviewed QM Status | 0 | 3 | 100.00% |
| First Payment Date | 0 | 13 | 100.00% |
| Initial Monthly P&I Or IO Payment | 0 | 9 | 100.00% |
| Interest Only Flag | 0 | 14 | 100.00% |
| Interest Only Term | 0 | 8 | 100.00% |
| Interest Rate | 0 | 26 | 100.00% |
| Investor Loan ID | 1 | 26 | 96.15% |
| Lien Position | 0 | 17 | 100.00% |
| Loan Amount | 0 | 20 | 100.00% |
| Loan ID | 0 | 26 | 100.00% |
| Loan Origination Company | 0 | 12 | 100.00% |
| Loan Origination Company NMLS | 0 | 11 | 100.00% |
| Loan Program | 0 | 12 | 100.00% |
| Loan Purpose | 0 | 26 | 100.00% |
| Loan Type | 6 | 13 | 53.85% |
| Maturity Date | 0 | 10 | 100.00% |
| MIN No | 0 | 8 | 100.00% |
| Monthly Hazard Insurance Premium | 0 | 1 | 100.00% |
| Monthly Property Tax Amount | 0 | 1 | 100.00% |

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| | | | |
|:---|:---|:---|:---|
| Negative Amortization Flag | 0 | 13 | 100.00% |
| Note Date | 0 | 9 | 100.00% |
| Note Type | 0 | 14 | 100.00% |
| Number of Borrowers | 0 | 13 | 100.00% |
| Number of Mortgaged Properties | 6 | 13 | 53.85% |
| Number of Units | 1 | 23 | 95.65% |
| Occupancy | 0 | 25 | 100.00% |
| Origination Foreclosure Flag | 0 | 8 | 100.00% |
| Originator Doc Type | 0 | 1 | 100.00% |
| Originator QM Status | 0 | 8 | 100.00% |
| Payment Frequency | 0 | 8 | 100.00% |
| Prepayment Penalty Flag | 0 | 15 | 100.00% |
| Prepayment Penalty Total Term | 0 | 16 | 100.00% |
| Primary Appraised Property Value | 0 | 12 | 100.00% |
| Property Address | 0 | 26 | 100.00% |
| Property City | 0 | 26 | 100.00% |
| Property County | 0 | 21 | 100.00% |
| Property Rights | 0 | 6 | 100.00% |
| Property State | 0 | 26 | 100.00% |
| Property Type | 1 | 14 | 92.86% |
| Property Value | 0 | 13 | 100.00% |
| Property Zip Code | 0 | 26 | 100.00% |
| Proposed First Mortgage P&I | 0 | 2 | 100.00% |
| Proposed Hazard Insurance | 2 | 2 | 0.00% |
| Proposed Housing Expense | 1 | 2 | 50.00% |
| Proposed Real Estate Taxes | 2 | 2 | 0.00% |
| Qualifying Amortization Term | 0 | 1 | 100.00% |
| Qualifying CLTV | 0 | 4 | 100.00% |
| Qualifying FICO | 1 | 13 | 92.31% |
| Qualifying Housing Debt Income Ratio | 0 | 1 | 100.00% |
| Qualifying LTV | 0 | 12 | 100.00% |
| Qualifying Total Debt Income Ratio | 0 | 7 | 100.00% |
| Qualifying Total Housing Expense PITIA | 0 | 1 | 100.00% |
| Qualifying Total Reserves Number of Months | 5 | 9 | 44.44% |
| Refinance Type | 0 | 5 | 100.00% |
| Sales Price | 0 | 11 | 100.00% |
| Seller Loan ID | 0 | 3 | 100.00% |
| Term | 0 | 11 | 100.00% |
| Total Qualified Assets Available For Reserves | 1 | 4 | 75.00% |
| Total Qualifying Income | 1 | 5 | 80.00% |
| ULI | 0 | 10 | 100.00% |
| Underwriting Guideline Name | 0 | 1 | 100.00% |
| Verified Doc Type | 0 | 3 | 100.00% |

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#### <br>

#### CLARIFII THIRD PARTY REPORTS DELIVERED
Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br>© 2026 Clarifii LLC. All rights reserved.

SPIRE 2026-3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

## Exhibit 99.24

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 409016403 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 74.74 | 74.74 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409019146 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.75 | 62.75 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409019337 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409021029 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409021547 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409024886 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409024996 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.61 | 63.61 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409040497 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | XXXX | 409035465 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409041065 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX<br> Eligible | 1 | XXXX |
| XXXX | XXXX | 409035476 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 68.18 | 68.18 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409033568 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | XXXX | 409033679 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.29 | 65.29 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409033720 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.85 | 50.85 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409033592 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409039832 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409041055 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.69 | 20.69 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409039843 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409042395 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409042392 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409042380 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX<br> Eligible |  |  |
| XXXX | XXXX | 409042377 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409042384 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 409042385 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX<br> Eligible |  |  |
| XXXX | XXXX | 409042388 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.55 | 68.55 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 409042376 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.3 | 55.3 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |

---

## Exhibit 99.25

---

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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | XXXX | 409016403 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/17/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting <br>|  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1988.04 | $165.67 | $0.00 | $0.00 | $0.00 | $5896.03 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio <br>|  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.013 | 1.013 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/30/2025 | 05/30/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 65.8 | No | 74.74 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409019146 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.625% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $10466.88 | $872.24 | $0.00 | $0.00 | $0.00 | $7371.81 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.977 | 0.97 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/16/2025 | 06/16/2025 |  |  |  | 642 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 16.6 | No | 62.75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409019337 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.375% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1608.96 | $134.08 | $0.00 | $0.00 | $0.00 | $1482.26 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.484 | 1.484 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/10/2025 | 07/10/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 6.3 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409021029 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $2889.00 | $240.75 | $2388.00 | $199.00 | $0.00 | $5846.06 |  | N/A | XXXX | XX | $199.00 | 09/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.77 | 0.76 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/11/2025 | 07/11/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 34.1 | XXXX | 34.9 | No | 65.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409021547 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $3447.00 | $287.25 | $0.00 | $0.00 | $0.00 | $1842.26 | $19360.39 | N/A |  |  | $0.00 |  |  | 0.00% | 19.90% | 19.90% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 14 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/04/2025 | 08/04/2025 |  |  |  | 629 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.9 | XXXX | 58.5 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409024886 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors <br>| Yes | No | No | N/A | QM Points and Fees Exceeded <br>| 18436.03 | 09/15/2025 | 6.320% | Manual Underwriting |  | No | 7.391% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $2062.20 | $171.85 | $0.00 | $0.00 | $0.00 | $3113.33 | $60719.11 | N/A |  |  | $0.00 |  |  | 0.00% | 24.45% | 24.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/06/2025 | 08/06/2025 |  |  |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 27.6 | XXXX | 89.8 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409024996 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11255 | 09/15/2025 | 6.320% | Manual Underwriting |  | No | 7.169% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $4024.08 | $335.34 | $0.00 | $0.00 | $0.00 | $3988.93 | $6158.07 | N/A |  |  | $0.00 |  |  | 0.00% | 44.08% | 44.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/02/2025 | 09/02/2025 |  |  |  | 658 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.8 | XXXX | 8.4 | No | 63.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409040497 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 14388.75 | 11/17/2025 | 6.230% | Manual Underwriting |  | No | 7.979% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $2549.76 | $212.48 | $0.00 | $0.00 | $0.00 | $3994.61 | $59229.61 | N/A |  |  | $0.00 |  |  | 0.00% | 12.90% | 12.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/18/2025 | 11/18/2025 |  |  |  | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.6 | XXXX | 6.6 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409035465 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/25/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $6690.60 | $557.55 | $0.00 | $0.00 | $0.00 | $3469.11 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.038 | 1.09 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/03/2025 | 10/03/2025 |  |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | temporary driver license | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 21.1 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409041065 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/24/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $680.16 | $56.68 | $0.00 | $0.00 | $0.00 | $940.31 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.383 | 1.38 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/16/2025 | 09/16/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 50.2 | XXXX | 50.2 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409035476 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $4975.44 | $414.62 | $0.00 | $0.00 | $0.00 | $10248.60 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.737 | 1.74 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 11/03/2025 | 11/03/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 69.4 | No | 68.18 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409033568 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 8 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1850.04 | $154.17 | $0.00 | $0.00 | $0.00 | $1691.68 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.36 | 1.331 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/17/2025 | 10/17/2025 | 10/21/2025 |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 15.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409033679 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.250% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $3369.96 | $280.83 | $0.00 | $0.00 | $0.00 | $1983.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 0.933 | 0.933 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 11/10/2025 | 11/10/2025 | 11/10/2025 |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 262.2 | XXXX | 274.8 | No | 65.29 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409033720 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6220 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 7.638% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2364.96 | $197.08 | $0.00 | $0.00 | $0.00 | $1359.66 | $3053.77 | N/A |  |  | $0.00 |  |  | 0.00% | 49.29% | 49.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 | 1 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/20/2025 | 11/20/2025 |  |  |  | 633 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 80.1 | No | 50.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409033592 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 16847.36 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | 7.050% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1644.00 | $137.00 | $0.00 | $0.00 | $0.00 | $4034.66 | $177239.57 | N/A |  |  | $0.00 |  |  | 0.00% | 4.62% | 4.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/29/2025 | 10/29/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 3 | 0 | 0 | 0 |  |  |  |  | 3 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.5 | XXXX | 15.5 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409039832 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $2865.96 | $238.83 | $0.00 | $0.00 | $0.00 | $2177.99 | $38713.60 | N/A |  |  | $0.00 |  |  | 0.00% | 47.35% | 47.35% | Yes | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0<br> NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 |  | 0 | Yes | 264<br> NA | 0 | 0 | N/A<br> NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - null CPA Letter Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/13/2025 | 11/13/2025 | 11/13/2025 |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 3 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 79.0 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409041055 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6495 | 12/15/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 7.151% |  | 6.625% | 6.625% | XXXX | No |  | XXXX | XXXX | $3314.04 | $276.17 | $0.00 | $0.00 | $0.00 | $1590.24 | $4435.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.22% | 42.22% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month<br> NA | N/A | 0 | N/A | 0 |  | 0 | 0 | 0 | 2 | 2<br> NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0<br> NA | 0 | 0 | N/A<br> NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - null Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - null Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/15/2025 | 12/15/2025 | 11/20/2025 |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 89.5 | No | 20.69 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409039843 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $5147.04 | $428.92 | $0.00 | $0.00 | $0.00 | $4008.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.497 | 1.49 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/08/2025 | 12/08/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 24.6 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409042395 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.399% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $2472.00 | $206.00 | $0.00 | $0.00 | $0.00 | $11861.97 | $46491.12 | N/A |  |  | $0.00 |  |  | 0.00% | 38.52% | 38.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025 | Borrower - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/29/2026 | 01/29/2026 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 22.5 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409042392 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | $4995.72 | $416.31 | $0.00 | $0.00 | $0.00 | $5519.18 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.422 | 1.42 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 01/06/2026 | 01/06/2026 | 01/06/2026 |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 104.3 | XXXX | 104.3 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409042380 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $1245.00 | $103.75 | $6588.00 | $549.00 | $0.00 | $1895.91 |  | Yes | XXXX | XX | $549.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.213 | 1.2 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/02/2026 | 02/02/2026 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 300.5 | XXXX | 300.5 | No | 70.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409042377 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  | $0.00 | 6.490% |  | XXXX | No |  | XXXX | XXXX | $2618.76 | $218.23 | $0.00 | $0.00 | $0.00 | $3425.00 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.606 | 1.6 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/23/2025 | 10/23/2025 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 80.5 | XXXX | 171.3 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409042384 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $4521.84 | $376.82 | $0.00 | $0.00 | $0.00 | $3511.15 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.193 | 2.1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 11/18/2025 | 11/18/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 111.0 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409042385 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $453.00 | $37.75 | $7656.00 | $638.00 | $0.00 | $3287.27 |  | Yes | XXXX | XX | $638.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.065 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/27/2025 | 10/27/2025 |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 383.8 | XXXX | 383.8 | No | 70.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409042388 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $3675.00 | $306.25 | $0.00 | $0.00 | $0.00 | $6924.54 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.155 | 1.15 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/04/2025 | 12/04/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 75.9 | XXXX | 76.0 | No | 68.55 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 409042376 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.250% |  | XXXX | No |  | XXXX | XXXX | $4591.20 | $382.60 | $0.00 | $0.00 | $0.00 | $7736.75 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.125 | 1.12 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/09/2025 | 12/09/2025 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 49.1 | No | 55.3 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.26

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 409016403 | XXXX<br> C<br> A |
| XXXX | XXXX | 409019146 | XXXX<br> C<br> A |
| XXXX | XXXX | 409019337 | XXXX<br> A |
| XXXX | XXXX | 409021029 | XXXX<br> A |
| XXXX | XXXX | 409021547 | XXXX<br> A |
| XXXX | XXXX | 409024886 | XXXX<br> A |
| XXXX | XXXX | 409024996 | XXXX<br> A |
| XXXX | XXXX | 409040497 | XXXX<br> C<br> D<br> A<br> B |
| XXXX | XXXX | 409035465 | XXXX<br> C<br> A<br> B |
| XXXX | XXXX | 409041065 | XXXX<br> A |
| XXXX | XXXX | 409035476 | XXXX<br> A |
| XXXX | XXXX | 409033568 | XXXX<br> D<br> A |
| XXXX | XXXX | 409033679 | XXXX<br> A<br> C |
| XXXX | XXXX | 409033720 | XXXX<br> D<br> A |
| XXXX | XXXX | 409033592 | XXXX<br> A |
| XXXX | XXXX | 409039832 | XXXX<br> C<br> A<br> B |
| XXXX | XXXX | 409041055 | XXXX<br> D<br> A |
| XXXX | XXXX | 409039843 | XXXX<br> A |
| XXXX | XXXX | 409042395 | XXXX<br> A<br> C |
| XXXX | XXXX | 409042392 | XXXX<br> D<br> A<br> B |
| XXXX | XXXX | 409042380 | XXXX<br> C<br> A<br> B |
| XXXX | XXXX | 409042377 | XXXX<br> D<br> A<br> B |
| XXXX | XXXX | 409042384 | XXXX<br> D<br> A |
| XXXX | XXXX | 409042385 | XXXX<br> D<br> A<br> B |
| XXXX | XXXX | 409042388 | XXXX<br> D<br> A |
| XXXX | XXXX | 409042376 | XXXX<br> A |

---

## Exhibit 99.27

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 409016403 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1008 |
| XXXX | XXXX | 409016403 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 409019146 | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 122110.43 | -145808.12 | per Settlement Statement |
| XXXX | XXXX | 409019146 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.56 | 19.00 | cashout proceeds |
| XXXX | XXXX | 409019337 | XXXX | Number of Units | propertyValuationPage | 3 | 2 | per appraisal report |
| XXXX | XXXX | 409019337 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.27 | 13.00 | per audited assets / cashout proceeds |
| XXXX | XXXX | 409019337 | XXXX | Total Qualified Assets Available For Reserves | assetPage | 0 | 10396.61 | per audited assets  |
| XXXX | XXXX | 409024996 | XXXX | Borrower 1 Bankruptcy in past 7 years? | the1003Page | Yes | No | Per credit report, 1003 and 1008. |
| XXXX | XXXX | 409024996 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.42 | -22.00 | Per the assets in file |
| XXXX | XXXX | 409040497 | XXXX | Qualifying FICO | creditLiabilitiesPage | 814 | 804 | Per credit report. |
| XXXX | XXXX | 409040497 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 409035465 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1008 |
| XXXX | XXXX | 409035465 | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | per 1003 and credit report |
| XXXX | XXXX | 409035465 | XXXX | Borrower 1 Ethnicity - I do not wish to provide this information | the1003Page | true | false | per 1003 |
| XXXX | XXXX | 409035465 | XXXX | Borrower 1 Citizen | the1003Page | Non Permanent Resident Alien | Permanent Resident Alien | per id card  |
| XXXX | XXXX | 409035465 | XXXX | Borrower 1 Do you intend to occupy property as primary residence? | the1003Page | No | Yes | per 1003  |
| XXXX | XXXX | 409035465 | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | per title/payoff |
| XXXX | XXXX | 409033679 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 274.75 | 175.00 | used c/o |
| XXXX | XXXX | 409033720 | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 6021.88 | 6022.33 | audit calculated a lower income |
| XXXX | XXXX | 409033720 | XXXX | Total Qualifying Income | employmentIncomePage | 6021.88 | 6022.33 | audit calculated a lower income |
| XXXX | XXXX | 409033720 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 80.12 | 0.00 | cash back |
| XXXX | XXXX | 409039832 | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | 1st lien position |
| XXXX | XXXX | 409039832 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1.0 | Per credit report |
| XXXX | XXXX | 409042392 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 16 | 1.0 | Per 1003 |
| XXXX | XXXX | 409042392 | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | per 1003 and 1008 |
| XXXX | XXXX | 409042392 | XXXX | Proposed Hazard Insurance | the1008Page | 416.31 | 4246.76 | Per 1003 and 1008 |
| XXXX | XXXX | 409042380 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per the 1008. |
| XXXX | XXXX | 409042380 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium |  |
| XXXX | XXXX | 409042377 | XXXX | Borrower 1 Ethnicity - I do not wish to provide this information | the1003Page | true | false | Per 1003 |
| XXXX | XXXX | 409042377 | XXXX | Proposed Housing Expense | the1003Page | 3334.66 | 2277.89 | Per First Payment Letter |
| XXXX | XXXX | 409042377 | XXXX | Proposed Hazard Insurance | the1003Page | 150 | 2059.66 | Per First Payment Letter |
| XXXX | XXXX | 409042377 | XXXX | Borrower 1 Race - I do not wish to provide this information | the1003Page | true | false | Per 1003 |
| XXXX | XXXX | 409042377 | XXXX | Proposed Real Estate Taxes | the1003Page | XXXX | XXXX | Audit matches taxes on 1st pymnt ltr. Tape shows P&I, not taxes |
| XXXX | XXXX | 409042377 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 11 | 1.0 | Per exception |
| XXXX | XXXX | 409042384 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1008 |
| XXXX | XXXX | 409042384 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | XXXX | 409042385 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008. |
| XXXX | XXXX | 409042385 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Credit Report |
| XXXX | XXXX | 409042385 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | per credit report |
| XXXX | XXXX | 409042385 | XXXX | Borrower 1 Do you intend to occupy property as primary residence? | the1003Page | No | Unknown | Per 1003 |
| XXXX | XXXX | 409042388 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Per credit. |
| XXXX | XXXX | 409042376 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| XXXX | XXXX | 409042376 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 in file |
| XXXX | XXXX | 409042376 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Per Credit Report |

---

## Exhibit 99.28

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 409016403<br> C<br> A | Closed | FCRE0970 | 2025-06-27 16:36 | 2025-07-15 16:25 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal confirming full size fridge in each unit. - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. updated appraisal - Seller-07/14/2025 <br>Open-Guidelines require a full-size refrigerator for all units. The photos provided do not show them. Provide updated photos to include alternate views of the kitchen and the refrigerators. Please note that the property is not yet finalized, and additional information and/or documentation may be required. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. updated appraisal - Seller-07/14/2025<br>| Resolved-Received revised appraisal confirming full size fridge in each unit. - Due Diligence Vendor-07/15/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.013 vs. min of 0.80<br>Months Reserves exceed minimum required - > 66 months available vs. 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4591845 |
| XXXX | XXXX | 409016403<br> C<br> A | Closed | FCRE7009 | 2025-06-27 16:30 | 2025-07-01 15:06 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation of 100% replacement cost. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. insurance shows 100% replacement which is sufficient - Seller-06/29/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Minimum required coverage is = to the Estimate of Cost-New from the appraisal XXXX- Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. insurance shows 100% replacement which is sufficient - Seller-06/29/2025<br>| Resolved-Received confirmation of 100% replacement cost. - Due Diligence Vendor-07/01/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.013 vs. min of 0.80<br>Months Reserves exceed minimum required - > 66 months available vs. 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4591757 |
| XXXX | XXXX | 409016403<br> C<br> A | Closed | FCRE1204 | 2025-06-27 16:41 | 2025-07-01 15:04 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received proof alerts cleared. - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. cleared alerts - Seller-06/29/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. cleared alerts - Seller-06/29/2025<br>| Resolved-Received proof alerts cleared. - Due Diligence Vendor-07/01/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.013 vs. min of 0.80<br>Months Reserves exceed minimum required - > 66 months available vs. 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4592015 |
| XXXX | XXXX | 409019146<br> C<br> A | Closed | FCRE1510 | 2025-07-17 10:40 | 2025-07-29 12:07 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. please find the dot w/legal - Seller-07/28/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. please find the dot w/legal - Seller-07/28/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 642. <br>LTV is less than guideline maximum - 70 allowed, subject 62.75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4851248 |
| XXXX | XXXX | 409019337<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 409021029<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 409021547<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 409024886<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 409024996<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 409040497<br> D<br> B<br> C<br> A | Closed | FCRE1440 | 2025-12-01 03:20 | 2025-12-12 16:23 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Bank statements provided with 12 months receipt of rent payments and processor cert. explaining the payments. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Sorry, please see attached VOR. Bug occurred here as well. - Seller-12/10/2025 <br> Ready for Review-Document Uploaded. Please see attached processor cert, VOR, and verification of rent payments. 6 Months of rent payments documented. - Seller-12/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence of additional 6 months rent payments. Guidelines require the most recent 6 months cancelled checks to support payments to private landlords. File includes evidence of cash app payment for XXXX (PDF 588). File also includes a transaction history for Account ending XXXX that show XXXX payments in the amount of rent but are not made payable to landlord (PDF 560). Audit is unable to determine if this document was provided to support rent payments. Additional findings may apply. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Sorry, please see attached VOR. Bug occurred here as well. - Seller-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached processor cert, VOR, and verification of rent payments. 6 Months of rent payments documented. - Seller-12/10/2025<br>| Resolved-Bank statements provided with 12 months receipt of rent payments and processor cert. explaining the payments. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 814<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.9 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6424344 |
| XXXX | XXXX | 409040497<br> D<br> B<br> C<br> A | Closed | FCRE1254 | 2025-12-01 01:57 | 2025-12-12 15:30 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Property Title Issue | Resolved-Final title policy provided with all items cleared. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Please see attached trust cert as well - Seller-12/11/2025 <br>Ready for Review-Document Uploaded. Sorry, there seems to be a bug where trying to drag an drop multiple files at ones duplicates one of the files and erases the others. Please see attached title policy. - Seller-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached updated title policy and email from title agent - Seller-12/10/2025 <br>Open-Property Title Issue Missing evidence that items 8-9 (PDF 152) were satisfied. Item 8 requires a Certification of trust for sellers. Trust certification (PDF 585) in file is not executed. Item 9 requires a Confidential Statement of Information from or on behalf of sellers. Item 10 requires a suitable Owner's Declaration (form ORT 174). Additional findings may apply. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Please see attached trust cert as well - Seller-12/11/2025 <br>Ready for Review-Document Uploaded. Sorry, there seems to be a bug where trying to drag an drop multiple files at ones duplicates one of the files and erases the others. Please see attached title policy. - Seller-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached updated title policy and email from title agent - Seller-12/10/2025<br>| Resolved-Final title policy provided with all items cleared. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 814<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.9 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6424069 |
| XXXX | XXXX | 409040497<br> D<br> B<br> C<br> A | Closed | FCRE1491 | 2025-12-01 03:49 | 2025-12-12 15:24 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Transaction summary showing XXXX check XXXX cleared the account. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Uploaded copy of transaction summary showing check XXXX cleared his account on XXXX. - Seller-12/10/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing documentation supporting that check XXXX cleared XXXX (PDF 526) was for EMD. Additional findings may apply since Audit included the check as cleared EMD. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Uploaded copy of transaction summary showing check XXXX cleared his account on XXXX. - Seller-12/10/2025<br>| Resolved-Transaction summary showing $11,000 check XXXX cleared the account. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 814<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.9 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6424464 |
| XXXX | XXXX | 409040497<br> D<br> B<br> C<br> A | Closed | FCRE1482 | 2025-12-01 03:49 | 2025-12-12 15:11 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Email from XXXX obtained stating they will accept an EA letter. - Due Diligence Vendor-12/12/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Missing CPA letter attesting that the use of business funds will not impact business activities. File includes an EA letter providing the attestation (PDF 289). Additional findings may apply since 100% of the business assets were used for asset qualification. - Due Diligence Vendor-12/01/2025 |  | Resolved-Email from XXXX obtained stating they will accept an EA letter. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 814<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.9 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6424463 |
| XXXX | XXXX | 409040497<br> D<br> B<br> C<br> A | Closed | FCOM1301 | 2025-11-26 13:37 | 2025-12-11 08:51 | Resolved | 1 - Information<br> D<br> A | Compliance | Missing Doc | Home Loan Toolkit is Missing | Resolved-------Received evidence of delivery of Toolkit, finding resolved. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. To maintain doc integrity, I've just uploaded the entire initial disclosure package exactly as obtained from XXXX eSign console. Please see pages 83-84 which demonstrate that the HLTK was included with the initial documens sent on XXXX - Seller-12/10/2025 <br> Counter------Received copy of toolkit, missing evidence of delivery within 3 business day sof application date of XXXX - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. esign certificate & copy of HLTK attached. - Seller-12/09/2025 <br> Open-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. To maintain doc integrity, I've just uploaded the entire initial disclosure package exactly as obtained from XXXX eSign console. Please see pages 83-84 which demonstrate that the HLTK was included with the initial documens sent on XXXX - Seller-12/10/2025 <br> Ready for Review-Document Uploaded. esign certificate & copy of HLTK attached. - Seller-12/09/2025<br>| Resolved-------Received evidence of delivery of Toolkit, finding resolved. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 814<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.9 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6405194 |
| XXXX | XXXX | 409040497<br> D<br> B<br> C<br> A | Closed | FCOM9998 | 2025-11-26 16:47 | 2025-12-10 08:00 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received client attestation origination fee is lender paid broker fee. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-I have just pulled the most recent version of the TRID Guide (v 2.1) from the XXXX website. Page 38 confirms: "Only items paid directly by the consumer to compensate a loan originator are Origination Charges. Do not disclose compensation to a loan originator paid indirectly by a creditor through the interest rate on the Loan Estimate. "<br>That seems fairly clear that Lender-paid broker comp should NOT be dlsclosed on the LE. In addition, the final CD clearly indicates the fee was paid by the lender to the broker.<br>Please clarify what you need from us in order to resolve this finding. - Seller-12/09/2025 <br> Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-11/26/2025 | Ready for Review-I have just pulled the most recent version of the TRID Guide (v 2.1) from the XXXX website. Page 38 confirms: "Only items paid directly by the consumer to compensate a loan originator are Origination Charges. Do not disclose compensation to a loan originator paid indirectly by a creditor through the interest rate on the Loan Estimate. "<br>That seems fairly clear that Lender-paid broker comp should NOT be dlsclosed on the LE. In addition, the final CD clearly indicates the fee was paid by the lender to the broker.<br>Please clarify what you need from us in order to resolve this finding. - Seller-12/09/2025<br>| Resolved------Received client attestation origination fee is lender paid broker fee. Finding resolved. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 814<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.9 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6408951 |
| XXXX | XXXX | 409040497<br> D<br> B<br> C<br> A | Closed | FCOM5135 | 2025-11-26 13:37 | 2025-11-26 13:37 | Waived | 2 - Non-Material<br> B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 814<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.9 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6405195 |
| XXXX | XXXX | 409035465<br> C<br> B<br> A | Closed | FCRE1197 | 2026-01-06 12:33 | 2026-01-09 12:35 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver for FICO, applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. exception - Seller-01/08/2026 <br>Open-Audited FICO of 668 is less than Guideline FICO of 700 Minimum FICO is 700 for an IO loan. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. exception - Seller-01/08/2026<br>| Waived-Originator provided a waiver for FICO, applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - dscr of 1.038 Required is 0.8 Borrower has 1.038 | Reserves 12+ Months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6938707 |
| XXXX | XXXX | 409041065<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 409035476<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 409033568<br> D<br> A | Closed | FCRE1194 | 2025-12-30 13:49 | 2026-01-06 16:17 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Matrix updated in the system. Max LTV is 80% with a 5% reduction - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. loan program locked and closed under Noni+ program which allows 80% max LTV for c/o transactions. Uploaded snips, Please clear - Seller-01/05/2026 <br>Counter-Subject property is noted as declining market, 5% reduction required. Finding remains. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. Per matrix, max LTV for cash out refi with fico 762 is 75%. Please clear, uploaded snip - Seller-12/30/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. loan program locked and closed under XXXX program which allows 80% max LTV for c/o transactions. Uploaded snips, Please clear - Seller-01/05/2026 <br> Ready for Review-Document Uploaded. Per matrix, max LTV for cash out refi with fico 762 is 75%. Please clear, uploaded snip - Seller-12/30/2025<br>| Resolved-Matrix updated in the system. Max LTV is 80% with a 5% reduction - Due Diligence Vendor-01/06/2026<br>| Months Reserves exceed minimum required - 14 months verified exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 Required is 660 Borrower has 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6858357 |
| XXXX | XXXX | 409033568<br> D<br> A | Closed | FCRE0700 | 2025-12-22 14:58 | 2026-01-02 11:37 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received certified final HUD-1 - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. Please see uploaded Final settlement statement. - Seller-12/31/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Please see uploaded Final settlement statement. - Seller-12/31/2025<br>| Resolved-Received certified final HUD-1 - Due Diligence Vendor-01/02/2026<br>| Months Reserves exceed minimum required - 14 months verified exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 Required is 660 Borrower has 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6744633 |
| XXXX | XXXX | 409033679<br> C<br> A | Closed | FVAL2477 | 2026-01-07 15:11 | 2026-01-09 13:17 | Resolved | 1 - Information<br> C<br> A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received appraisal - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. Sorry please see PD with full images pages of appraisal thank u :) - Seller-01/08/2026 <br>Open-Appraisal in loan file has the bottom of all the pages cutoff. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Sorry please see PD with full images pages of appraisal thank u :) - Seller-01/08/2026<br>| Resolved-Received appraisal - Due Diligence Vendor-01/13/2026<br>| Months Reserves exceed minimum required - > 270 vs. 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6967544 |
| XXXX | XXXX | 409033720<br> D<br> A | Closed | FPRO1245 | 2026-01-12 11:08 | 2026-01-30 14:12 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received Recertification of Value - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. 1004D uploaded - Seller-01/28/2026 <br> Counter-The appraiser only updated the date on the Appraisal license section under "Date of Signature and Report". Same section states Effective date of the appraisal XXXX. The only update on the appraisal was the comment added on pg. 3 of 6, adding pictures of smoke detectors and water heater. No update of value mentioned. Recertification of value is still required. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Per Client: received the below suspense on this file. However the appraisal was revised showing updated on XXXX. - Due Diligence Vendor-01/14/2026 <br> Open-Primary Value Appraisal is Expired The appraisal report is over 120 days of the Note date and the file does not contain a recertification of value. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. 1004D uploaded - Seller-01/28/2026<br>| Resolved-Received Recertification of Value - Due Diligence Vendor-01/30/2026<br>| Long term residence - The borrower has owned the subject property for 18 years.<br>LTV is less than guideline maximum - Required is 70 Borrower has 50.85<br>Months Reserves exceed minimum required - 80.12 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7042062 |
| XXXX | XXXX | 409033592<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 409039832<br> C<br> B<br> A | Closed | FCRE1200 | 2026-01-22 14:29 | 2026-01-23 13:30 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for Loan amount below $300,000. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Loan amount exception - Seller-01/23/2026 <br>Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $300000 . Exception not provided. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Loan amount exception - Seller-01/23/2026<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Exception for Loan amount below $300,000. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 Required is 680 Borrower has 710<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 | 710 fico<br> 75% LTV, 80% max | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7252143 |
| XXXX | XXXX | 409039832<br> C<br> B<br> A | Closed | FVAL1563 | 2026-01-22 11:50 | 2026-01-23 12:12 | Resolved | 1 - Information<br> C<br> A | Property | Appraisal | Unsupported adjustments or comps | Resolved-After further review, comps reviewed are not excessive and are reasonable. condition resolved - Due Diligence Vendor-01/23/2026 <br>Open-Comp 1 gross adjustments exceeds <25% - Due Diligence Vendor-01/22/2026 |  | Resolved-After further review, comps reviewed are not excessive and are reasonable. condition resolved - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 Required is 680 Borrower has 710<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7246611 |
| XXXX | XXXX | 409041055<br> D<br> A | Closed | FCRE1316 | 2026-01-23 09:05 | 2026-05-01 16:59 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/01/2026 <br>Resolved-Received VVOE for B1 - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-01/23/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing not provided - Due Diligence Vendor-01/23/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/01/2026 <br>Resolved-Received VVOE for B1 - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 20.69<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.22<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 769 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7266999 |
| XXXX | XXXX | 409041055<br> D<br> A | Closed | FCRE1320 | 2026-01-23 09:05 | 2026-05-01 16:59 | Resolved | 1 - Information<br> C<br> A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Condition Resolved - Due Diligence Vendor-05/01/2026 <br> Resolved-1040s not required; 2 years W2s were provided. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Borrower 1 (XXXX) was a wage earner with paystubs & W2s. Therefore, 1040s was not required.<br>Co-Borrower (XXXX) had some rental reported on the Schedule E of the 1040s. Therefore, only the Co-Borrower 1040s & Transcripts.<br> - Buyer-01/27/2026 <br> Counter-Received schedule E for B2. Missing 2024 1040s for B1 - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-01/23/2026 <br> Open-Borrower 1 Personal Tax Returns Less Than 24 Months Provided only 1 year provided - Due Diligence Vendor-01/23/2026 |  | Resolved-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Condition Resolved - Due Diligence Vendor-05/01/2026 <br>Resolved-1040s not required; 2 years W2s were provided. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 20.69<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.22<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 769 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7267001 |
| XXXX | XXXX | 409039843<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 409042395<br> C<br> A | Closed | finding-3634 | 2026-02-12 16:35 | 2026-02-24 09:19 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CD and COC XXXX. Finding Resolved. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. coc for recert - Seller-02/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $150.00 (Recert Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. There is a CoC present in the file, date of change XXXX for recert fee. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. coc for recert - Seller-02/23/2026<br>| Resolved-Received CD and COC XXXX. Finding Resolved. - Due Diligence Vendor-02/24/2026<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 14+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $46,491.12; minimum required NONE<br>Months Reserves exceed minimum required - Reserves = 22 months – Required Reserves = 3 Months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7593572 |
| XXXX | XXXX | 409042392<br> D<br> B<br> A | Closed | FCRE0700 | 2026-02-12 15:41 | 2026-02-27 09:46 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. correct settlement stmt - Seller-02/25/2026 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Settlement statement provided does not show a settlement or disbursement date. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. correct settlement stmt - Seller-02/25/2026<br>| Resolved-Received final settlement statement. - Due Diligence Vendor-02/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725<br>DSCR % greater than 1.20 - Rule False 1.42 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7592442 |
| XXXX | XXXX | 409042392<br> D<br> B<br> A | Closed | FCRE3599 | 2026-02-25 09:58 | 2026-02-25 12:47 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted to allow exceed loan exposure. Non-material waiver applied with comp factors. Deemed non-material due to experienced investor with long paid mortgage history. - Due Diligence Vendor-02/25/2026 <br> Open-Exposure exceeds 10 loans, borrower has 16 financed loans with XXXX - Due Diligence Vendor-02/25/2026 |  | Waived-Originator exception granted to allow exceed loan exposure. Non-material waiver applied with comp factors. Deemed non-material due to experienced investor with long paid mortgage history. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725<br>DSCR % greater than 1.20 - Rule False 1.42 | FICO 20+ over required<br> DSCR 1.25 or greater | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7798285 |
| XXXX | XXXX | 409042380<br> C<br> B<br> A | Closed | FCRE0105 | 2026-02-27 18:05 | 2026-03-06 15:39 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Upon further review, Reserve study is acceptable in lieu of inspection. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Per guidelines the reserve study is acceptable in lieu of inspection - Seller-03/04/2026 <br> Counter-Received Reserve Study. Report received does not reflect inspection. Provide structural inspection meeting XX Senate Bill No.XX - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. reserve study in lieu of the SIRS (in lieu of structural report) - Seller-03/02/2026 <br> Open-The file does not contain the required structural engineer report per state law. Subjectis missing required milestone inspection asrequired by XX Senate Bill No.XX. Subject Cert. of Occ was on or before XXXX, has a building with 3 or more stories and is 30 years of age. - Due Diligence Vendor-02/27/2026 | Ready for Review-Per guidelines the reserve study is acceptable in lieu of inspection - Seller-03/04/2026 <br>Ready for Review-Document Uploaded. reserve study in lieu of the SIRS (in lieu of structural report) - Seller-03/02/2026<br>| Resolved-Upon further review, Reserve study is acceptable in lieu of inspection. - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.213 Required is 0.8 Borrower has 1.213 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7853113 |
| XXXX | XXXX | 409042380<br> C<br> B<br> A | Closed | FCRE0108 | 2026-02-27 09:53 | 2026-03-03 12:52 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received confirmation of limited review Type Q by originator. XXXX is not required. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-this is not applicable for a loan that is limited review - Seller-03/02/2026 <br> Open-Fidelity Coverage not met. Missing evidence of XXXX coverage. - Due Diligence Vendor-02/27/2026 | Ready for Review-this is not applicable for a loan that is limited review - Seller-03/02/2026<br>| Resolved-Received confirmation of limited review Type Q by originator. XXXX is not required. - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.213 Required is 0.8 Borrower has 1.213 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7844089 |
| XXXX | XXXX | 409042380<br> C<br> B<br> A | Closed | FCRE1200 | 2026-02-27 09:48 | 2026-02-27 18:14 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception applied to non-material finding with comp factors. - Due Diligence Vendor-02/27/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $300000 Subject loan amount is XXXX, minimum required is $300,000.00 - Due Diligence Vendor-02/27/2026 |  | Waived-Originator exception applied to non-material finding with comp factors. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.213 Required is 0.8 Borrower has 1.213 | Credit Score: 751. Credit profile going back to 20128. Excellent Mortgage & Consumer Payment History. The borrower has one isolated late payment on an auto lease in 2019. No Bankruptcies, No open Collections or Public Records. No Fraud Alert.  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7844005 |
| XXXX | XXXX | 409042377<br> D<br> B<br> A | Closed | FCRE1479 | 2026-03-02 14:25 | 2026-03-09 13:39 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received corporate documents for Asset ownership. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Y&H DOCS - Seller-03/04/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing verification of the borrower's % of ownership in XXXX in order to consider funds in transaction for reserves - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Y&H DOCS - Seller-03/04/2026<br>| Resolved-Received corporate documents for Asset ownership. - Due Diligence Vendor-03/05/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.606<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7878817 |
| XXXX | XXXX | 409042377<br> D<br> B<br> A | Closed | FCRE1492 | 2026-03-02 14:25 | 2026-03-09 13:39 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received the Final Purchase Closing Statement. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/09/2026 <br> Counter-Received corrected 1008 reflecting acquisition cost as value. Please document acquisition cost with final settlement statement or property profile. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. We used the Previous purchase price of XXXX and this is less than 75% LTV (no need to document improvements as we used 75%).... correct 1008 enclosed - Seller-03/05/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Missing documented cost of improvements for Delayed Financing transaction in order to use appraised value for LTV calc (Audit using original purchase price for LTV calc) - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. We used the Previous purchase price of XXXX and this is less than 75% LTV (no need to document improvements as we used 75%).... correct 1008 enclosed - Seller-03/05/2026<br>| Resolved-Received the Final Purchase Closing Statement. - Due Diligence Vendor-03/09/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.606<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7878818 |
| XXXX | XXXX | 409042377<br> D<br> B<br> A | Closed | FCRE0700 | 2026-02-18 12:03 | 2026-03-09 13:38 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Final Settlement State. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. final settlement stmt - Seller-03/06/2026 <br>Counter-Received settlement statement. Escrows are included but months and monthly amount not included in settlement statement. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. settlement stmt - Seller-03/04/2026 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. -----Missing from file - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. final settlement stmt - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. settlement stmt - Seller-03/04/2026<br>| Resolved-Received Final Settlement State. - Due Diligence Vendor-03/09/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.606<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7680322 |
| XXXX | XXXX | 409042377<br> D<br> B<br> A | Closed | FCRE0140 | 2026-03-02 13:45 | 2026-03-05 10:16 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/02/2026 <br>Open-Exception in file for exceeding FM max exposure ...Delayed financing exception. Exception for FM exposure over 10 loans / $7.5mm. Seasoned investor. - Due Diligence Vendor-03/02/2026 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/02/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.606<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7878011 |
| XXXX | XXXX | 409042384<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 409042385<br> D<br> B<br> A | Closed | FCRE8887 | 2026-03-03 12:16 | 2026-03-05 14:42 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received application. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-Missing application. Missing commercial or 1003 application. Initial. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received application. - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 Required is 700 Borrower has 773 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7899040 |
| XXXX | XXXX | 409042385<br> D<br> B<br> A | Closed | FCRE1177 | 2026-02-27 21:14 | 2026-03-05 14:42 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | HO6 Insurance Policy Expiration Date is before the Note Date | Resolved-Received Renewal. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. correct insurance - Seller-03/04/2026 <br> Counter-Received HO6 policy for Unit XX. Please provide for subject. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. HO6 - Seller-03/02/2026 <br> Open-HO-6 Insurance Policy Expiration Date of XXXX is prior to the Note Date of XXXX - Due Diligence Vendor-02/28/2026 | Ready for Review-Document Uploaded. correct insurance - Seller-03/04/2026 <br>Ready for Review-Document Uploaded. HO6 - Seller-03/02/2026<br>| Resolved-Received Renewal. - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 Required is 700 Borrower has 773 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7854672 |
| XXXX | XXXX | 409042385<br> D<br> B<br> A | Closed | FCRE3091 | 2026-02-27 21:14 | 2026-03-05 14:42 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received Renewal Mast Policy - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. pls re review, unit is reflected as XX. ty - Seller-03/03/2026 <br> Counter- Received Master Liability and property insurance reflecting XX for another borrower. Provide clear or for our borrower. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. current master insurance - Seller-03/02/2026 <br> Open-Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX - Due Diligence Vendor-02/28/2026 | Ready for Review-Document Uploaded. pls re review, unit is reflected as XX. ty - Seller-03/03/2026 <br> Ready for Review-Document Uploaded. current master insurance - Seller-03/02/2026<br>| Resolved-Received Renewal Mast Policy - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 Required is 700 Borrower has 773 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7854673 |
| XXXX | XXXX | 409042385<br> D<br> B<br> A | Closed | FCRE0140 | 2026-02-27 21:42 | 2026-03-03 12:30 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator provided a waiver for 389 sq ft < 500 sq ft min required, applied to non material finding with comp factors - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. exception - Seller-03/02/2026 <br>Open-Exception: Exception request for sqft under 500. The property is 389 sqft. - Due Diligence Vendor-02/28/2026 | Ready for Review-Document Uploaded. exception - Seller-03/02/2026<br>| Waived-Originator provided a waiver for 389 sq ft < 500 sq ft min required, applied to non material finding with comp factors - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 Required is 700 Borrower has 773 | CLTV is 70%<80% allowed<br> Credit is 773 <br>| XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7854831 |
| XXXX | XXXX | 409042388<br> D<br> A | Closed | FCRE1198 | 2026-03-02 09:26 | 2026-03-19 17:04 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received annual IRA statement reflecting sufficient reserves. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. assets - Seller-03/18/2026 <br>Open-Audited Reserves of 0.1 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. assets - Seller-03/18/2026<br>| Resolved-Received annual IRA statement reflecting sufficient reserves. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 68.55 Required is 80 Borrower has 68.55<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.155 Required is 0.8 Borrower has 1.155 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7870586 |
| XXXX | XXXX | 409042388<br> D<br> A | Closed | FCRE0190 | 2026-03-02 09:01 | 2026-03-12 09:33 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | 1004D is expired or dated after Note date | Resolved--1004D provided. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Revised final inspection and recert attached - Seller-03/06/2026 <br> Counter-For clarification: (1) Appraisal 1004 is expired (dated XXXX) Missing 1004d confirming property value has not declined. (2) Received 1004d repair completion. Report received was inspected XXXX but signed XXXX. Appraiser to clarify discrepancy in dates. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. a final inspection is permitted to be dated post note date - Seller-03/02/2026 <br> Open-1004D is expired or dated after Note date. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Revised final inspection and recert attached - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. a final inspection is permitted to be dated post note date - Seller-03/02/2026<br>| Resolved--1004D provided. - Due Diligence Vendor-03/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 68.55 Required is 80 Borrower has 68.55<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.155 Required is 0.8 Borrower has 1.155 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7869843 |
| XXXX | XXXX | 409042388<br> D<br> A | Closed | FCRE8887 | 2026-02-24 14:38 | 2026-03-05 14:49 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received Application - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Counter-Review concurs, final 1003 is not required on DSCR but initial application not received. Please provide commercial application or 1003 confirming declarations. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. per guidelines a final 1003 in NA for DSCR loans - Seller-03/02/2026 <br>Open-Missing Final 1003 - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Ready for Review-Document Uploaded. per guidelines a final 1003 in NA for DSCR loans - Seller-03/02/2026<br>| Resolved-Received Application - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 68.55 Required is 80 Borrower has 68.55<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.155 Required is 0.8 Borrower has 1.155 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7783683 |
| XXXX | XXXX | 409042388<br> D<br> A | Closed | FCRE1510 | 2026-02-24 13:56 | 2026-03-03 12:33 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Prepay Rider and addendum to Note - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. PP rider - Seller-03/02/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Prepayment Rider - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. PP rider - Seller-03/02/2026<br>| Resolved-Received Prepay Rider and addendum to Note - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 68.55 Required is 80 Borrower has 68.55<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.155 Required is 0.8 Borrower has 1.155 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7782869 |
| XXXX | XXXX | 409042376<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.29

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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| XXXX | XXXX | 409016403 | XXXX | XXXX | Debt Service Coverage Ratio <br>| Present | Yes | 5975 | 5975 | Appraisal - 1007 <br>|  | N/A |  |  | 5975 | Appraisal - 1007 | No | 98.68 | 1.013 | 1.013 | 5896.03 | 3350 | 02-18-2026 | 12 | 2625 | 12-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 5975 |  |  |  |  |  |  |  | No | 2.3 | 1 | 1 | N/A | 65.8 | Yes | XXXX | Limited Liability Corporation (LLC) <br>| Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | XXXX | 409019146 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7200 | 5000 | Appraisal - 1007 |  | N/A |  |  | 7200 | Actual In Place Rent | No | 102.39 | 0.97 | 0.977 | 7371.81 | 7200 | 06-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 7200 |  |  |  |  |  |  |  | No | 6.7 | 1 | 1 | N/A | 16.56 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | XXXX | 409019337 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2200 | Appraisal - 1025 |  | N/A |  |  | 2200 | Appraisal - 1025 | No | 67.38 | 1.484 | 1.484 | 1482.26 | 1200 | 07-31-2025 | 1 | 1300 | 07-31-2025 | 1 | 0 | 07-31-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 2200 |  |  |  |  |  |  |  | No | 2.0 | 1 | 1 | N/A | 6.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | XXXX | 409021029 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5500 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 129.91 | 0.76 | 0.77 | 5846.06 | 5500 | 09-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 1.0 | 1 | 1 | N/A | 34.92 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| XXXX | XXXX | 409021547 | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  |  | N/A | No |  |  | 0 | 1842.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 1.6 | 1 | 1 | N/A | 58.48 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| XXXX | XXXX | 409035465 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  | N/A |  |  | 3600 | Appraisal - 1025 | No | 96.36 | 1.09 | 1.038 | 3469.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | 5.1 | 1 | 1 | N/A | 21.08 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | XXXX | 409041065 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Appraisal - 1007 | No | 72.33 | 1.38 | 1.383 | 940.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1300 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 50.2 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| XXXX | XXXX | 409035476 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 17800 | Appraisal - 1025 |  | N/A |  |  | 17800 | Appraisal - 1025 | No | 57.58 | 1.74 | 1.737 | 10248.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | 0 |  | 17800 |  |  |  |  |  |  |  | No | 1.5 | 1 | 1 | N/A | 69.38 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | XXXX | 409033568 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2300 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Actual In Place Rent | No | 73.55 | 1.331 | 1.36 | 1691.68 | 2300 | 10-23-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 2300 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 15.12 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | XXXX | 409033679 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1975 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 107.24 | 0.933 | 0.933 | 1983.9 | 1975 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1850 |  |  |  |  |  |  |  | No | 1.0 | 1 | 1 | N/A | 274.75 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | XXXX | 409039832 | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 99 |  | 0 | 2177.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 12.9 | 1 | 1 | N/A | 79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor <br>| XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| XXXX | XXXX | 409039843 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4124 | 6000 | Appraisal - 1007 |  | N/A |  |  | 6000 | Appraisal - 1007 | No | 66.81 | 1.49 | 1.497 | 4008.9 | 2100 | 08-15-2026 | 12 | 2024 | 07-08-2026 | 12 | 0 | 01-15-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 6000 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 24.57 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | XXXX | 409042392 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7850 | Appraisal - 1007 |  | N/A |  |  | 7850 | Appraisal - 1007 | No | 70.31 | 1.42 | 1.422 | 5519.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7850 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 104.29 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| XXXX | XXXX | 409042380 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 82.43 | 1.2 | 1.213 | 1895.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 300.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | XXXX | 409042377 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5500 | Appraisal - 1007 |  | N/A |  |  | 5500 | Appraisal - 1007 | No | 62.27 | 1.6 | 1.606 | 3425 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX | 0 | 5500 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 171.32 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | XXXX | 409042384 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4700 | 7700 | Appraisal - 1007 |  | N/A |  |  | 7700 | Appraisal - 1007 | No | 45.6 | 2.1 | 2.193 | 3511.15 | 0 | 02-10-2026 | 1 | 2350 | 08-31-2026 | 12 | 2350 | 08-31-2026 | 12 | 0 | 02-10-2026 | 1 |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 7700 |  |  |  |  |  |  |  | No | 2.4 | 1 | 1 | N/A | 110.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | XXXX | 409042385 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 93.92 | 1.06 | 1.065 | 3287.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 383.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| XXXX | XXXX | 409042388 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 9500 | 8000 | Appraisal - 1007 |  | N/A |  |  | 8000 | Appraisal - 1007 | No | 86.56 | 1.15 | 1.155 | 6924.54 | 9500 | 09-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 8000 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 75.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | XXXX | 409042376 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8700 | Appraisal - 1007 |  | N/A |  |  | 8700 | Appraisal - 1007 | No | 88.93 | 1.12 | 1.125 | 7736.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 8700 |  |  |  |  |  |  |  | No | 1.0 | 1 | 1 | N/A | 49.1 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |

---

## Exhibit 99.30

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | XXXX | 409016403 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409019146 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409019337 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409021029 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409021547 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19360.39 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 409024886 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 18436.03 | 7.391 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60719.11 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 409024996 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11255 | 7.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6158.07 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 409040497 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 14388.75 | 7.979 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59229.61 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 409035465 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409041065 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409035476 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409033568 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 409033679 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 409033720 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6220 | 7.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3053.77 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 409033592 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 16847.36 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 177239.57 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 409039832 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 38713.6 | Yes | Not Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 409041055 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6495 | 7.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4435 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 409039843 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409042395 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.399 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 46491.12 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 409042392 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 409042380 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409042377 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409042384 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409042385 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409042388 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 409042376 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.31

![](logo_canopy.gif)

**NARRATIVE**

**SPIRE 2026-3**

**By Canopy Financial Technology Partners LLC on June 4, 2026**

Canopy Financial Technology Partners LLC

chweeler@canopytpr.com \| 801-792-2995 \| www.canopytpr.com

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

------

![](logo_canopy.gif)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Aspire Sponsor, LLC (the "Client") or its affiliated company. The Review was conducted from October 2025 to March 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of sixteen (16) loans with an aggregate principal balance of $9,716,882.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Fitch Ratings, Inc. and Kroll Bond Rating Agency, LLC.

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp; **Field Label**  | &nbsp;&nbsp; **Logic Applied**  |
| &nbsp;&nbsp; All Borrower Total Income  | &nbsp;&nbsp; Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No  |
| &nbsp;&nbsp; Amortized Term  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Application Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Borrower 1 Citizen  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Borrower 1 Self Employed Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Borrower 2 Citizen  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Borrower 2 Self-Employment Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Business Purpose Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Cash Disbursement Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Combined LTV  | &nbsp;&nbsp; Apply 1% Tolerance if < 80%  |
| &nbsp;&nbsp; DSCR  | &nbsp;&nbsp; .25% tolerance  |
| &nbsp;&nbsp; Escrow Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Final Reviewed QM Status  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; First Interest Rate Change Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; First Payment Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Higher Priced Mortgage Loan (HPML) Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Index  | &nbsp;&nbsp; No tolerance  |

---

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![](logo_canopy.gif)

---

| | |
|:---|:---|
| &nbsp;&nbsp; Initial Monthly P&I Or IO Payment  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Lien Position  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Loan Program  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Loan Purpose  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Margin (ARM Loan)  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Mortgage Origination Channel  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Note Interest Only Term  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Note Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Occupancy Type  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Original Appraised Value  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Original Balance  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Original LTV  | &nbsp;&nbsp; Apply 1% Tolerance if < 80%  |
| &nbsp;&nbsp; Origination BK Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Originator QM Status  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Origination Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Origination Foreclosure Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Prepayment Penalty Term  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Property Type  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Property Zip Code  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Qualifying FICO  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Qualifying Total Debt Income Ratio  | &nbsp;&nbsp; Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No  |
| &nbsp;&nbsp; Sales Price  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Underwriting Guideline Product Name  | &nbsp;&nbsp; No tolerance  |

---

**Credit Underwriting**

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

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

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![](logo_canopy.gif)

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

● All known borrower-owned properties are disclosed on the REO Section;

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

● A credit report or alternative credit history as applicable to loan type is present for each borrower;

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

● IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor.

------

![](logo_canopy.gif)

In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

o

Social Security inconsistencies

o

Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

o

Mortgage lender/originator

o

Loan officer

● Occupancy:

o

Borrower address history

o

Subject property ownership history

● OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

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

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

● Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

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

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

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![](logo_canopy.gif)

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

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

**Automated Underwriting System Findings:** N/A

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

● Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

● Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

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**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

(ii) the **Truth in Lending Act** ("<u>TILA</u>"), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** ("<u>RESPA</u>"), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

i. Initial and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

ii. Note, including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

iv. Mortgage / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

vii. Notice of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

ix. HOEPA Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

x. Initial Escrow Account Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**e.** **Miscellaneous Compliance Testing:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

● Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

● District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

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

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

● Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

● Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

● The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

● Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

● Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

● Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

● Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of

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consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

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

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

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

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**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

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

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

### INDEPENDENT THIRD-PARTY VALUES, CU SCORES AND FHLMC REPS AND WARRANTS
Canopy applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

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

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

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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

---

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

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

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 50.00% (8 loans) have an overall grade of "A" and 50.00% (8 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 50.00%, (8 loans) of mortgage loans reviewed, and 50.00% (8 loans) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (16 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (16 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

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**FINDINGS TABLE** <br>

REVIEW TABLES

---

| | | |
|:---|:---|:---|
| **OVERALL REVIEW RESULTS** | **OVERALL REVIEW RESULTS** | **OVERALL REVIEW RESULTS** |
| **Final Grade** | **Loan Count** | **% of Sample** |
| A | 8 | 50.00% |
| B | 8 | 50.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| NA | 0 | 0.00% |
| **Grand Total** | **16** | **100.00%** |
| **CREDIT REVIEW RESULTS** | **CREDIT REVIEW RESULTS** | **CREDIT REVIEW RESULTS** |
| **Final Grade** | **Loan Count** | **% of Sample** |
| A | 8 | 50.00% |
| B | 8 | 50.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| NA | 0 | 0.00% |
| **Grand Total** | **16** | **100.00%** |
| **COMPLIANCE REVIEW RESULTS** | **COMPLIANCE REVIEW RESULTS** | **COMPLIANCE REVIEW RESULTS** |
| **Final Grade** | **Loan Count** | **% of Sample** |
| A | 16 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| NA | 0 | 0.00% |
| **Grand Total** | **16** | **100.00%** |
| **PROPERTY REVIEW RESULTS** | **PROPERTY REVIEW RESULTS** | **PROPERTY REVIEW RESULTS** |
| **Final Grade** | **Loan Count** | **% of Sample** |
| A | 16 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| NA | 0 | 0.00% |
| **Grand Total** | **16** | **100.00%** |

---

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Additional Loan Summary Details

---

| | | | |
|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** |
| Fixed | 16 | 100.00% | $9716882.00 |
| ARM | 0 | 0.00% | $0.00 |
| **Total** | **16** | **100.00%** | **$9716882.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** |
| First | 16 | 100.00% | $9716882.00 |
| Second | 0 | 0.00% | $0.00 |
| **Total** | **16** | **100.00%** | **$9716882.00** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** |
| Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans<br> other than loans secured by real estate | 0 | 0.00% | $0.00 |
| Cash Out: Home Improvement/Renovation | 0 | 0.00% | $0.00 |
| Cash Out: Other/Multi-Purpose/Unknown Purpose | 5 | 31.25% | $4885000.00 |
| Limited Cash Out (GSE Definition) | 0 | 0.00% | $0.00 |
| First Time Home Purchase | 3 | 18.75% | $1911642.00 |
| Other Than First Time Home Purchase | 6 | 37.50% | $2215240.00 |
| Rate/Term Refinance - Borrower Initiated | 2 | 12.50% | $705000.00 |
| **Total** | **16** | **100.00%** | **$9716882.00** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** |
| 120 Months | 0 | 0.00% | $0.00 |
| 121 - 180 Months | 0 | 0.00% | $0.00 |
| 181 - 240 Months | 0 | 0.00% | $0.00 |
| 241 - 300 Months | 0 | 0.00% | $0.00 |
| 301 - 360 Months | 14 | 87.50% | $8737232.00 |
| 421 - 480 Months | 2 | 12.50% | $979650.00 |
| **Total** | **16** | **100.00%** | **$9716882.00** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** |
| Owner Occupied | 8 | 50.00% | $6501982.00 |
| Second Home | 0 | 0.00% | $0.00 |
| Investment Property | 8 | 50.00% | $3214900.00 |
| **Total** | **16** | **100.00%** | **$9716882.00** |

---

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**DATA COMPARISON RESULTS**

Of the fifty-eight (58) mortgage Loan Files reviewed, eleven (11) unique loans (18.97% by number) had eleven (11) tape comparison discrepancies across three (3) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Logic Applied** | **# Loans with Discrepancy** | **Total Times Compared** | **% Variance** |
| Prepayment Penalty Total Term | No tolerance | 1 | 16 | 6.25% |
| Property Type | No tolerance | 1 | 16 | 6.25% |

---

**Disclaimer**

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

## Exhibit 99.32

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 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 | 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 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **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** | **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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 409040492 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.250% |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.03% | 42.03% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 111 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 14.16 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043594 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.829 | 0.82 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 28.53 | No | 60.0 | Yes | xxx | xxx | xxx | xxx | 1 |
| 409043645 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.53% | 47.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 12.05 | xxx | 12.05 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043603 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.745 | 1.66 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 35.85 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043652 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.00% | 38.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 31.70 | xxx | 31.7 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043598 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.773 | 1.48 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 102.12 | xxx | 102.12 | No | 70.0 | No | xxx | xxx | xxx | xxx | 1 |
| 409043647 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.05% | 39.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 22.35 | xxx | 22.35 | No | 47.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043666 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.69% | 27.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 24 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.43 | xxx | 6.43 | No | 85.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043599 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.384 | 1.38 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 168.08 | xxx | 168.08 | No | 70.0 | No | xxx | xxx | xxx | xxx | 1 |
| 409043604 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.861 | 1.861 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.70 | xxx | 124.52 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043672 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.15% | 36.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 69.79 | xxx | 69.79 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043601 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.017 | 1.01 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.36 | xxx | 6.36 | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 2 |
| 409043609 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 52.74% | 52.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | -0.05% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 42 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Wage, Retirement, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Lease Agreements Verified - ["2026","2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 24.24 | xxx | 24.24 | No | 26.32 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043602 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.116 | 1.11 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 22.40 | xxx | 22.4 | No | 54.35 | No | xxx | xxx | xxx | xxx | 1 |
| 409043665 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.31% | 42.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.13 | xxx | 5.13 | No | 85.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409043628 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.58% | 43.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR 1099 Only | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | CPA |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS IRS Transcripts Verified - ["2025"] | Borrower - 2 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 35.99 | xxx | 35.99 | No | 90.0 | N/A | xxx | xxx | xxx | xxx | 1 |

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## Exhibit 99.33

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 409040492 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 14.16 | Yes | xxx | Limited Liability Corporation (LLC) <br>| Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 409043594 |  |  | xxx | xxx | Debt Service Coverage Ratio <br>| Present | No | xxx | xxx | Short Term Rental |  | N/A |  |  | xxx | Short Term Rental | Yes | 120.66 | 0.82 | 0.829 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 18.7 | 1 | 1 | N/A | 28.53 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 409043603 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 57.29 | 1.66 | 1.745 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 8.8 | 1 | 1 | N/A | 35.85 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 409043598 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx |  | N/A | xxx | xxx | 12 |  | xxx | xxx | Yes | 56.39 | 1.48 | 1.773 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.0 | 1 | 1 | N/A | 102.12 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 409043599 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 | xxx | Other |  |  | xxx | Appraisal - 1007 | No | 72.28 | 1.38 | 1.384 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 168.08 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 409043604 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 53.74 | 1.861 | 1.861 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.2 | 1 | 1 | N/A | 124.52 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 409043601 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 98.34 | 1.01 | 1.017 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 |  | 0 | 0 | No | No | 0.0 | 1 | 1 | N/A | 6.36 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 409043602 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 89.62 | 1.11 | 1.116 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 22.4 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |

---

## Exhibit 99.34

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 409040492 |  | D<br> A | Closed | FCRE7497 | 2025-10-17 10:27 | 2025-11-19 07:40 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1003 for Primary Residence total PITIA and 1008 provided. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Counter-Document Uploaded. The Condition is asking for Documentation to support the xxx loan listed on the Final 1003 (see screenshot already uploaded) in the amount of $xxx for xxx- The Closing disclosure being provided has a Loan amount of $xxx - Is the Final 1003 incorrect or is the CD being provided not the correct one? - Due Diligence Vendor-11/17/2025 <br> Ready for Review-L - Seller-11/17/2025 <br> Counter-Document Uploaded. The Condition is asking for Documentation to support the xxx loan listed on the Final 1003 (see screenshot already uploaded) in the amount of $xxx for xxx- The Closing disclosure being provided has a Loan amount of $xxx - Is the Final 1003 incorrect or is the CD being provided not the correct one? - Due Diligence Vendor-11/13/2025 <br> Ready for Review-This is not our subject property, is another property borrower owns.<br>2nd Lien for xxx Loan amount as $xxx<br> - Seller-11/12/2025 <br> Counter-Is xxx Final 1003 incorrect as it states 2nd Lien for xxx Loan amount as $xxx with a pymt of $xxx vs Closing disclosure that states Loan amount is $xxx with a pymt of $xxx? - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Counter-The FPL provided is not for the 2nd Lien that was conditioned for, Please review the screenshot provided and provide missing document/s (Per Final 1003 reflects a new loan on primary xxx . lender xxx #xxx $xxx with a UPB of $xxx - Missing First Payment Letter/Final CD, etc to verify P&I) - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Counter-Document Uploaded. Per Final 1003 reflects a new loan on primary xxx . lender xxx #xxx $xxx with a UPB of $xxx - Missing First Payment Letter/Final CD, etc to verify P&I - Due Diligence Vendor-10/21/2025 <br> Ready for Review-What statement are you looking for? - Seller-10/20/2025 <br> Open-Missing statement for new loan on primary xxx . lender xxx #xxx $xxx - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Ready for Review-L - Seller-11/17/2025 <br> Ready for Review-This is not our subject property, is another property borrower owns.<br>2nd Lien for xxx property's Loan amount as $xxx<br> - Seller-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Ready for Review-What statement are you looking for? - Seller-10/20/2025<br>| Resolved-Updated 1003 for Primary Residence total PITIA and 1008 provided. - Due Diligence Vendor-11/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.27 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 409043594 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 409043645 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 409043603 |  | B<br> A | Closed | FCRE1195 | 2026-01-21 08:32 | 2026-01-21 08:32 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 65% Subj is vacant - max LTV is 70% - seeking 75%<br> Loan amount is < $xxx - max LW is 65% - seeking 75% - Due Diligence Vendor-01/21/2026 |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 65% Subj is vacant - max LTV is 70% - seeking 75%<br> Loan amount is < $xxx - max LW is 65% - seeking 75% - Due Diligence Vendor-01/21/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 35.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 409043603 |  | B<br> A | Closed | FCRE1194 | 2026-01-21 08:32 | 2026-01-21 08:32 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% Subj is vacant - max LTV is 70% - seeking 75%<br> Loan amount is < $xxx - max LW is 65% - seeking 75% - Due Diligence Vendor-01/21/2026 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% Subj is vacant - max LTV is 70% - seeking 75%<br> Loan amount is < $xxx - max LW is 65% - seeking 75% - Due Diligence Vendor-01/21/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 35.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 409043603 |  | B<br> A | Closed | FCRE1196 | 2026-01-21 08:32 | 2026-01-21 08:32 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 65% Subj is vacant - max LTV is 70% - seeking 75%<br> Loan amount is < $xxx - max LW is 65% - seeking 75% - Due Diligence Vendor-01/21/2026 |  | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 65% Subj is vacant - max LTV is 70% - seeking 75%<br> Loan amount is < $xxx - max LW is 65% - seeking 75% - Due Diligence Vendor-01/21/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 35.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 409043652 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 409043598 |  | D<br> B<br> A | Closed | FCRE1815 | 2026-01-30 16:45 | 2026-02-07 09:17 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-LOE and Cert of Formation provided - Due Diligence Vendor-02/07/2026 <br> Ready for Review-Document Uploaded. - Seller-02/06/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Only OA found in file. Still missing Articles, COGS and EIN. (LOE why OA from xxx show B1 as member but 1031 exchange dated xxx shows xxx as sole member) - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-LOE and Cert of Formation provided - Due Diligence Vendor-02/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.12 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 409043598 |  | D<br> B<br> A | Closed | FCRE5474 | 2026-01-30 17:54 | 2026-01-30 17:54 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Condo project does not meet guidelines. Lender exception (page 425) requesting higher investor concentration for non-warrantable condo. - Due Diligence Vendor-01/30/2026 |  | Waived-Condo project does not meet guidelines. Lender exception (page 425) requesting higher investor concentration for non-warrantable condo. - Due Diligence Vendor-01/30/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.12 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | FICO 20+ points<br> PITIA reserves above min by 6 months<br> DSCR > 1.0  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 409043647 |  | B<br> A | Closed | FCRE8201 | 2026-02-09 08:48 | 2026-02-09 08:48 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Bank stmt loan, > 5 overdrafts in 12 months - Due Diligence Vendor-02/09/2026 |  | Waived-Bank stmt loan, > 5 overdrafts in 12 months - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 22.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 47.64% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Low qualifying LTV - R/T refi reducing 36% in P&l - bringing in money to close - low LTV<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 39.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.65 Years | FICO 20+ points <br> DTI 5% below max <br> PITIA reserves above min by 6 months <br> Reduction in housing payment by 10%+ <br> 5+ years business ownership <br> LTV below max by 10% (applicable for investment properties only) <br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 409043666 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 409043599 |  | B<br> A | Closed | FVAL5524 | 2026-02-12 02:30 | 2026-02-12 02:30 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Ineligible Property | Waived-Condo less than xxx sq feet - Due Diligence Vendor-02/12/2026 |  | Waived-Condo less than xxx sq feet - Due Diligence Vendor-02/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 168.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points<br> DSCR > 1.0 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 409043599 |  | B<br> A | Closed | FCRE5474 | 2026-02-12 02:29 | 2026-02-12 02:29 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Condo project does not meet guidelines. Investor concentration > 55% for non warrantable condo - Due Diligence Vendor-02/12/2026 |  | Waived-Condo project does not meet guidelines. Investor concentration > 55% for non warrantable condo - Due Diligence Vendor-02/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 168.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points<br> DSCR > 1.0 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 409043604 |  | B<br> A | Closed | FCRE1194 | 2026-02-20 09:53 | 2026-02-20 11:25 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% LTV exception up to 75% max for loan amount between $xxx - $xxx. - Due Diligence Vendor-02/20/2026 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% LTV exception up to 75% max for loan amount between $xxx - $xxx. - Due Diligence Vendor-02/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points<br> PITIA reserves above min by 6 months.<br> DSCR > 1.00 (DSCR Only). |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 409043672 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 409043601 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 409043609 |  | B<br> A | Closed | FCRE8201 | 2026-02-28 16:11 | 2026-02-28 16:11 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-over xxx (xxx ac) - Due Diligence Vendor-02/28/2026 |  | Waived-over xxx acres (xxx ac) - Due Diligence Vendor-02/28/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.34 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.32% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points<br> PITIA reserves above min by 6 months <br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 409043602 |  | D<br> B<br> C<br> A | Closed | FCRE8201 | 2026-03-02 13:01 | 2026-03-03 10:47 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with supporting comp factors: Condo project is 93 units. GL requires Comps inside + outside projects. Seeking exception to use comps all insided project - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Seller-03/02/2026 <br> Open-The subject transaction does not satisfy the requirement for use of all comparable sales from the subject's Condominium Project. All the comparable sales used by the Appraiser are located in the subject's project but per the xxx (xxx), "all comparable sales may be from within the subject's project if the project is established and consists of 100 or more units." The subject's project consists of 94 units per the Appraisal (and 93 per the Condo Questionnaire) and does not satisfy the 100 unit requirement for using all comparable sales from the subject's project. The file does not contain an approved Exception. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/02/2026<br>| Waived-Exception granted with supporting comp factors: Condo project is 93 units. GL requires Comps inside + outside projects. Seeking exception to use comps all insided project - Due Diligence Vendor-03/03/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.35% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | Fico 20+ points<br> PITIA reserves above min by 6 months<br> reduction in housing payment by 10%+<br> DSCR >1.00 | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 409043602 |  | D<br> B<br> C<br> A | Closed | FCOM8888 | 2026-03-02 12:54 | 2026-03-03 10:45 | Resolved | 1 - Information<br> D<br> A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved- - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Seller-03/02/2026 <br> Open-The final Closing Detail Statement (Borrower Statement) is missing. The file contains the Estimated Closing Detail Statement (Borrower Statement) which indicates Closing Date xxx but Closing Date is xxx and it is not signed by the Escrow Officer. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/02/2026<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.35% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 409043665 |  | C<br> B<br> A | Closed | FCRE1198 | 2026-02-28 05:30 | 2026-03-08 10:02 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: 1 month reserves exception for 5 month vs 6 months per guidelines. - Due Diligence Vendor-03/08/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Counter-Page xxx (PDF file) rental verification, Page 88 (OCR file). It also mentions transfers to another account ...xxx which is not in the file or on 1003. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Please send copy of statement. I do not see xxx in my file - Seller-03/04/2026 <br> Counter-Document Uploaded. Apologies for the confusion, per Final 1003 xxx #xxx reflects $xxx in assets - However the Updated xxx #xxx dated xxx (41 days prior to close) reflects an available balance of $xxx - CTC $xxx - Short reserves by -$xxx - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. provide caculations, we have over 6 months - Seller-03/03/2026 <br> Open-Audited Reserves of 5.13 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-02/28/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Ready for Review-Please send copy of statement. I do not see xxx in my file - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. provide caculations, we have over 6 months - Seller-03/03/2026<br>| Waived-Exception granted with supporting comp factors: 1 month reserves exception for 5 month vs 6 months per guidelines. - Due Diligence Vendor-03/08/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.74 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI 5% below max<br> 5+ years business ownership | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 409043665 |  | C<br> B<br> A | Closed | FCRE1440 | 2026-02-28 05:02 | 2026-02-28 05:02 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements 85% LTV with less than 12-month housing history - Due Diligence Vendor-02/28/2026 |  | Waived-Housing History Does Not Meet Guideline Requirements 85% LTV with less than 12-month housing history - Due Diligence Vendor-02/28/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.74 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | \* DTI 5% below max<br> \* PITIA reserves above min by 6 months<br> \* 5+ years business ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 409043628 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |

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## Exhibit 99.35

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 409040492 |  |  | xxx<br> D<br> A<br> A |
| 409043594 |  |  | xxx<br> A |
| 409043645 |  |  | xxx<br> A |
| 409043603 |  |  | xxx<br> B<br> A<br> A |
| 409043652 |  |  | xxx<br> A |
| 409043598 |  |  | xxx<br> D<br> A<br> A<br> B |
| 409043647 |  |  | xxx<br> B<br> A<br> A |
| 409043666 |  |  | xxx<br> A |
| 409043599 |  |  | xxx<br> B<br> A<br> A |
| 409043604 |  |  | xxx<br> B<br> A<br> A |
| 409043672 |  |  | xxx<br> A |
| 409043601 |  |  | xxx<br> A |
| 409043609 |  |  | xxx<br> B<br> A<br> A |
| 409043602 |  |  | xxx<br> C<br> D<br> A<br> D<br> B |
| 409043665 |  |  | xxx<br> C<br> A<br> A<br> B |
| 409043628 |  |  | xxx<br> A |

---

## Exhibit 99.36

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 409040492 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 0.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043594 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 409043645 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 409043603 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 409043652 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 409043598 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 409043647 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 47.64 | 47.64 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 409043666 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) <br>|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 | xxx<br> Eligible |  |  |
| 409043599 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 409043604 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 10000.0 | .0741 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0741 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043672 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 409043601 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report <br>| xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043609 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.32 | 26.32 |  |  |  |  |  |  |  |  | xxx | xxx | .2105 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409043602 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.35 | 54.35 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx<br> Eligible | 1 | xxx |
| 409043665 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 409043628 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |

---

## Exhibit 99.37

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 409040492 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | xxx | Yes | Employed |  | No |  | Yes | Present |
| 409043594 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 409043645 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 409043603 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 409043652 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 409043598 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 409043647 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 409043666 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 409043599 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 409043604 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 409043672 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 409043601 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 409043609 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 409043602 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 409043665 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 409043628 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.38

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 409040492 |  |  | Prepayment Penalty Total Term | 12 | 0 |
| 409043601 |  |  | Property Type | Two to Four Unit | Units |

---

## Exhibit 99.39

![](logo_ey.jpg)

---

| | |
|:---|:---|
| **Ernst & Young LLP**<br> One Manhattan West<br> New York, NY 10001 | Tel: +1 212 773 3000<br> ey.com |

---

#### Report of Independent Accountants on Applying Agreed-Upon Procedures

Aspire Sponsor, LLC (the "Aspire Sponsor")

Aspire Depositor, LLC (the "Depositor")

One Belvedere Place, Suite 330,

Mill Valley, California 94941

2 June 2026

**Re:**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Aspire Mortgage Trust 2026-3 (the "Issuing Entity")**

#### Mortgage Pass-Through Certificates, Series 2026-3 (the "Certificates")

#### Sample Mortgage Loan Agreed-Upon Procedures

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Aspire Sponsor, Depositor, CCS Structured Credit Investments Fund LP (the "Retaining Sponsor"), Morgan Stanley & Co. LLC, Barclays Capital Inc. and Mizuho Securities USA LLC (collectively, the "Specified Parties"), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information with respect to a pool of mortgage loans (the "Mortgage Loans") relating to the Issuing Entity's securitization transaction. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

The procedures performed and our associated findings are included in Attachment A.

For the purpose of the procedures described in this report, the Aspire Sponsor, on behalf of the Depositor, provided us with:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. An electronic data file labeled "SPIRE 2026-3 Tape (EY 05.19.26).xlsx" and the corresponding record layout and decode information, as applicable (the "Preliminary Data
 File"), that the Aspire Sponsor, on behalf of the Depositor, indicated contains information as of 1 May 2026 (the "Cut-off Date") relating to certain mortgage loans (the "Preliminary Mortgage Loans") which are expected to be representative
 of the Mortgage Loans,

------

---

| | |
|:---|:---|
| ![](logo_ey.jpg) | Page 2 of 3<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Imaged copies of the following items (collectively, the "Source Documents"):

<br> i. Promissory note (the "Note"),

<br> ii. Credit report (the "Credit Report"),

<br> iii. Loan application and occupancy affidavit (collectively and as applicable, the "Application"),

<br> iv. Underwriting summary and/or conditional underwriting approval (collectively and as applicable, the "Underwriting Summary"),

<br> v. Appraisal report (the "Appraisal"),

<br> vi. Condominium rider (the "Condominium Rider") and

<br> vii. Settlement statement or closing disclosure (collectively and as applicable, the "Settlement Statement")

that the Aspire Sponsor, on behalf of the Depositor, indicated relate to the Sample Mortgage Loans (as defined in Attachment A),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The list of relevant characteristics (the "Sample Characteristics") on the Preliminary Data File, which is shown on Exhibit 1 to Attachment A, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Instructions, assumptions and methodologies, which are described in Attachment A.

For the purpose of the procedures described in this report, certain information on the Preliminary Data File is the "Subject Matter" as of the date of this report.

The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A. The Depositor is responsible for the Subject Matter, Preliminary Data File, Source Documents, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Source Documents or any other information provided to us, or that we were instructed to obtain, as applicable, by the Aspire Sponsor, on behalf of the Depositor, upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to (a) the existence of the Preliminary Mortgage Loans or Mortgage Loans, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions and methodologies provided to us by the Aspire Sponsor, on behalf of the Depositor, that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the "AICPA"). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

The agreed-upon procedures described in this report were not performed for the purpose of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Satisfying any criteria for due diligence published by a nationally recognized statistical rating organization (a "rating agency") or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Making any findings with respect to:

<br> i. Whether the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting or credit extension guidelines, standards, criteria or other requirements,

<br> ii. The value of the collateral securing the Mortgage Loans,

<br> iii. Whether the originator(s) of the Mortgage Loans complied with federal, state or local laws or regulations or

<br> iv. Any other factor or characteristic of the Mortgage Loans that would be material to the likelihood that the issuer of the Certificates will pay interest and principal in accordance with applicable terms and conditions.

We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable, for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA. Independence requirements for agreed-upon procedures engagements are less restrictive than independence requirements for audit and other attestation services.

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

/s/ Ernst & Young LLP

2 June 2026

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#### Attachment A<br>

#### Procedures performed and our associated findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. As instructed by the Aspire Sponsor, on behalf of the Depositor, we randomly selected a sample of 238 Preliminary Mortgage Loans from the Preliminary Data File
 (the "Sample Mortgage Loans"). For the purpose of this procedure, the Aspire Sponsor, on behalf of the Depositor, did not inform us as to the basis for how they determined the number of Sample Mortgage Loans or the methodology they
 instructed us to use to select the Sample Mortgage Loans from the Preliminary Data File.

For the purpose of the procedures described in this report, the 238 Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 238.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. For each Sample Mortgage Loan, we compared the Sample Characteristics listed on Exhibit 1 to Attachment A, as shown on the Preliminary Data File, to the corresponding information located in, or to the corresponding information we recalculated using information located in, the Source Documents or Preliminary Data File, as applicable, subject to the instructions, assumptions
 and methodologies provided by the Aspire Sponsor, on behalf of the Depositor, described in the notes to Exhibit 1 to Attachment A. The Source Document(s) that we were instructed by the Aspire Sponsor, on behalf of the Depositor, to use for
 each Sample Characteristic are shown on Exhibit 1 to Attachment A. Except for the information shown on Exhibit 2 to Attachment A, all such compared information was found to be in agreement.

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#### <br> Exhibit 1 to Attachment A Page 1 of 6

#### <br>

#### Sample Characteristics and Source Documents

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| | | |
|:---|:---|:---|
| **<u>Sample Characteristic</u>**  | **Preliminary<br> <u>Data File Field Name</u>**  | **<u>Source Document(s)</u>**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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; |
|  Loan number | Loan Number | Note |
|  Original principal balance | Original Loan Amount | Note |
|  Original interest rate | Original Interest Rate | Note |
|  First payment date | First Payment Date of Loan | Note |
|  Maturity date | Maturity Date | Note |
|  Original term to maturity | Original Term to Maturity | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Property state | State | Note |
|  Property zip code | Postal Code | Note |
|  Prepayment charge term | Prepayment Penalty Total Term | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Interest only term | Original Interest Only Term | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Index description | Index Type | Note |
|  Gross margin | Gross Margin | Note |
|  Initial fixed rate period | Initial Fixed Rate Period | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Subsequent interest rate reset period | Subsequent Interest Rate Reset Period | Note |
|  Initial interest rate cap change up | Initial Interest Rate Cap Change Up | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Initial interest rate cap change down | Initial Interest Rate Cap Change Down | Note and recalculation |
|  Subsequent interest rate change up | Subsequent Interest Rate Change Up | Note |

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#### Exhibit 1 to Attachment A Page 2 of 6

####  

#### <br>

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| | | |
|:---|:---|:---|
| **<u>Sample Characteristic</u>**  | **Preliminary<br> <u>Data File Field Name</u>**  | **<u>Source Document(s)</u>**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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; |

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| | | |
|:---|:---|:---|
|  Subsequent interest rate change down | Subsequent Interest Rate Change Down | Note |
|  Maximum interest rate | Lifetime Maximum Rate Ceiling | Note |
|  Minimum interest rate | Lifetime Minimum Rate Floor | Note |
|  Occupancy status | Occupancy | Application or Underwriting Summary |
|  Sale price (if applicable) | Sales Price | Settlement Statement |
|  Property type | Property Type | Appraisal or Condominium Rider |
|  Loan purpose | Loan Purpose | Application, Credit Report, Settlement Statement, Underwriting Summary or recalculation |
|  Appraisal value | Original Appraised Property Value | Appraisal<br>|
|  Junior lien balance | Junior Mortgage Balance | Underwriting Summary, Application or Settlement Statement |
|  Original loan-to-value ratio | Original LTV | Recalculation |
|  Combined loan-to-value ratio | Original CLTV | Recalculation |

---

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#### Notes : Exhibit 1 to Attachment A Page 3 of 6  

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan number Sample Characteristic is for identification purposes only.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For the purpose of comparing the original term to maturity Sample Characteristic for any Sample Mortgage Loan that does not have the original term to maturity
 specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the sum of:

<br> (a) The difference in months between the maturity date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For the purpose of comparing the prepayment charge term Sample Characteristic for any Sample Mortgage Loan that does not have the prepayment charge term specifically
 stated in the Note, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the sum of:

<br> (a) The difference in months between the prepayment premium end date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. For the purpose of comparing the interest only term Sample Characteristic for any Sample Mortgage Loan that does not have the interest only term specifically stated in
 the Note, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the sum of:

<br> (a) The difference in months between the interest only end date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The Aspire Sponsor, on behalf of the Depositor, instructed us not to perform any procedures with respect to the:

<br> (a) Index description,

<br> (b) Gross margin,

<br> (c) Initial fixed rate period,

<br> (d) Subsequent interest rate reset period,

<br> (e) Initial interest rate cap change up,

<br> (f) Initial interest rate cap change down,

<br> (g) Subsequent interest rate change up,

<br> (h) Subsequent interest rate change down,

<br> (i) Maximum interest rate and

<br> (j) Minimum interest rate

Sample Characteristics for any Sample Mortgage Loan with a gross margin value of "0.000(%)" or , as shown on the Preliminary Data File.

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#### Exhibit 1 to Attachment A Page 4 of 6

####  
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For the purpose of comparing the initial fixed rate period Sample Characteristic for any Sample Mortgage Loan with a gross margin value greater than "0.000(%)," as shown
 in the Note (each, an "ARM Sample Mortgage Loan"), that does not have the initial fixed rate period specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the sum of:

<br> (a) The difference in months between the first rate change date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For the purpose of comparing the initial interest rate cap change up Sample Characteristic for any ARM Sample Mortgage Loan that does not have the initial interest rate
 cap change up specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the difference between the:

<br> (a) Initial rate adjustment maximum interest rate and

<br> (b) Original interest rate,

both as shown in the Note.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. For the purpose of comparing the initial interest rate cap change down Sample Characteristic for any ARM Sample Mortgage Loan that does not have the initial interest rate
 cap change down specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the maximum of:

<br> (a) The difference between the:

<br> (1) Original interest rate and

<br> (2) Initial rate adjustment minimum interest rate,

both as shown in the Note, and

(b) 0.000(%).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. For the purpose of comparing the minimum interest rate Sample Characteristic for any ARM Sample Mortgage Loan that does not have the minimum interest rate specifically
 stated in the Note, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the gross margin, as shown in the Note, as the minimum interest rate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. For the purpose of comparing any Sample Characteristic listing the Application as a Source Document for any Sample Mortgage Loan for which the Aspire Sponsor, on behalf
 of the Depositor, provided more than one Application, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the most recent Application as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. For the purpose of comparing the occupancy status Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed
 us to note agreement if the value on the Preliminary Data File agreed with the corresponding information in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the occupancy status Sample Characteristic.

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#### Exhibit 1 to Attachment A Page 5 of 6

####  
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. For the purpose of comparing any Sample Characteristic listing the Settlement Statement as a Source Document for any Sample Mortgage Loan for which the Aspire Sponsor, on
 behalf of the Depositor, provided more than one Settlement Statement, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the most recent Settlement Statement as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xiii. For the purpose of comparing any Sample Characteristic listing the Appraisal as a Source Document for any Sample Mortgage Loan for which the Aspire Sponsor, on behalf of
 the Depositor, provided more than one Appraisal, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the Appraisal with the lowest appraisal value as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xiv. For the purpose of comparing the property type Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed us to note agreement if the value on the
 Preliminary Data File agreed with the corresponding information in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any differences that may exist relating to the information
 in the Source Documents relating to the property type Sample Characteristic.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xv. For the purpose of comparing the loan purpose Sample Characteristic for any Sample Mortgage Loan with a loan purpose of "First Time Home Purchase"
 or "Other-than-first-time Home Purchase," as shown on the Preliminary Data File (each, a "Purchase Sample Mortgage Loan"), the Aspire Sponsor, on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary Data
 File agreed with the corresponding information in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any differences that may exist relating to the information in the Source
 Documents relating to the loan purpose Sample Characteristic for any Purchase Sample Mortgage Loan.

For any remaining Sample Mortgage Loan (each, a "Refinanced Sample Mortgage Loan"), the Aspire Sponsor, on behalf of the Depositor, instructed us to calculate the "Amount to Borrower" as the difference between the:

<br> (a) Original principal balance, as shown in the Note, and

<br> (b) Sum of the:

<br> (1) Unpaid principal balance of any previous mortgage loan that is being refinanced, as shown in the Settlement Statement, and

<sup>(2)</sup> Total closing costs relating to the Refinanced Sample Mortgage Loan, as shown in the Settlement Statement.<br>

For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Numbers 90, 101 and 134), the Aspire Sponsor, on behalf of the Depositor, instructed us to note agreement with a loan purpose of:

(a) "Refinance – Cash Out" if the Amount to Borrower is greater than the lesser of (i) $2,000 and (ii) 1% of the original principal balance, as shown in the Note, or

<br> (b) "Refinance – Rate Term" for each remaining Refinanced Sample Mortgage Loan.

For the purpose of comparing the loan purpose Sample Characteristic for Sample Mortgage Loan Numbers 90, 101 and 134, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the Underwriting Summary as the Source Document.

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#### Exhibit 1 to Attachment A Page 6 of 6

####  
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xvi. For the purpose of comparing the junior lien balance Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor,
 instructed us to note agreement if the value on the Preliminary Data File agreed with the corresponding information in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any
 differences that may exist relating to the information in the Source Documents relating to the junior lien balance Sample Characteristic.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xvii. The Aspire Sponsor, on behalf of the Depositor, instructed us to use:

<br> (a) For any Purchase Sample Mortgage Loan, the lesser of the (1) appraisal value, as shown in the Appraisal, and (2) sale price, as shown in the Settlement Statement,

<br> (b) For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Numbers 130 and 134), the appraisal value, as shown in the Appraisal or

<br> (c) For Sample Mortgage Loan Numbers 130 and 134, the prior sale price, as shown in the Appraisal,

as the "Value for LTV."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xviii. For the purpose of comparing the original loan-to-value ratio Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the quotient
 (rounded to the fourth decimal place (X.XXXX)) of the:

<br> (a) Original principal balance, as shown in the Note, divided by

<br> (b) Value for LTV.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xix. For the purpose of comparing the combined loan-to-value ratio Sample Characteristic , the Aspire Sponsor, on
 behalf of the Depositor, instructed us to use the quotient (rounded to the fourth decimal place (X.XXXX)) of the:

<br> (a) Sum of the original principal balance, as shown in the Note, and junior lien balance, as shown in the applicable Source Document(s), divided by

<br> (b) Value for LTV.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xx. For the purpose of comparing the original loan-to-value ratio and combined loan-to-value ratio Sample Characteristics, the Aspire Sponsor, on behalf of the Depositor,
 instructed us to ignore differences of +/- 0.0001 or less.

We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by the Aspire Sponsor, on behalf of the Depositor, that are described in the notes above.

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#### <br> Exhibit 2 to Attachment A Page 1 of 3<br>  

#### Sample Characteristic Differences

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| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 1 | Original loan-to-value ratio | 0.648511 | 0.6485 |
|  | Combined loan-to-value ratio | 0.648511 | 0.6485 |
| 2 | Original loan-to-value ratio | 0.664870 | 0.6649 |
|  | Combined loan-to-value ratio | 0.664870 | 0.6649 |
| 9<br>| Property type | 4 Family<br>| 3 Family<br>|
| 10 | Property type | Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;&nbsp;&nbsp; Condo, High Rise<br> (5+ stories) |
| 13 | Prepayment charge term | 0 | 60 |
|  | Original loan-to-value ratio | 0.638436 | 0.6384 |
|  | Combined loan-to-value ratio | 0.638436 | 0.6384 |
| 19 | Original loan-to-value ratio | 0.660714 | 0.6607 |
|  | Combined loan-to-value ratio | 0.660714 | 0.6607 |
| 34 | Sale price (if applicable) | [Redacted] | [Redacted] |
|  | Original loan-to-value ratio | 0.8014 | 0.8000 |
|  | Combined loan-to-value ratio | 0.8014 | 0.8000 |
| 35 | Property type | 1 Family Attached | PUD |
| 49 | Property type | Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;&nbsp;&nbsp; Condo, High Rise<br> (5+ stories) |
| 50 | Property type | 1 Family Attached<br>| PUD<br>|

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#### Exhibit 2 to Attachment A Page 2 of 3<br>

####  

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| | | | |
|:---|:---|:---|:---|
| 62 | Property type | Single Family Detached (non-PUD) | 1 Family Attached<br>|
| 69 | Property type | Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;&nbsp;&nbsp; Condo, High Rise<br> (5+ stories) |
| 89 | Property type | Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;&nbsp;&nbsp; Condo, High Rise<br> (5+ stories) |
| 111 | Property type | Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;&nbsp;&nbsp; Condo, High Rise<br> (5+ stories) |
| 119 | Property type | 1 Family Attached<br>| Single Family Detached (non-PUD) |
| 120 | Property type | 1 Family Attached | PUD |
| 122 | Property type | 1 Family Attached | PUD |
| 127 | Property type | Single Family Detached (non-PUD)<br>| 1 Family Attached<br>|
| 141 | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
| 156 | Property type | Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;&nbsp;&nbsp; Condo, High Rise<br> (5+ stories) |
| 162 | Property type | 1 Family Attached | PUD |
| 184 | Property type | 1 Family Attached | PUD |
| 187 | Property type | 1 Family Attached | PUD |
| 195 | Property type | 1 Family Attached | Single Family Detached (non-PUD) |
| 200 | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
| 209 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |

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#### Exhibit 2 to Attachment A Page 3 of 3<br>

####  
217 Original loan-to-value ratio 0.601562 0.6016 <br> Combined loan-to-value ratio 0.601562 0.6016

<br>