# EDGAR Filing Document

**Accession Number:** 0001803775
**File Stem:** 0001999371-25-009856
**Filing Date:** 2025-7
**Character Count:** 2762286
**Document Hash:** f023d65427a3f409b83b0d3da81e1eaa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-009856.hdr.sgml**: 20250725

**ACCESSION NUMBER**: 0001999371-25-009856

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

**PUBLIC DOCUMENT COUNT**: 77

**CONFORMED PERIOD OF REPORT**: 20250725

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

**FILED AS OF DATE**: 20250725

**DATE AS OF CHANGE**: 20250725

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775

**ORGANIZATION NAME:**
- **EIN:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04985
- **FILM NUMBER:** 251150966

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775

**ORGANIZATION NAME:**
- **EIN:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775

**ORGANIZATION NAME:**
- **EIN:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04985

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>MFRA NQM DEPOSITOR, LLC</u>**

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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)(l) ☐

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

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

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

Central Index Key Number of depositor: 0001803775

MFA 2025-NQM3 Trust

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

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

Central Index Key Number of underwriter (if applicable): ________________

Bryan Wulfsohn, 212-207-6431

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

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

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

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

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

Not Applicable

**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.

---

| | | |
|:---|:---|:---|
|  | **MFRA NQM Depositor, llc** | **MFRA NQM Depositor, llc** |
| Date: July 25, 2025 | | /s/ Bryan Wulfsohn |
|  | Name: | Bryan Wulfsohn |
|  | Title: | Vice President |

---

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.01](ex99-01.htm) | &nbsp;&nbsp;AMC Diligence, LLC ("**AMC**") Narrative |
| &nbsp;&nbsp;[99.02](ex99-02.htm) | &nbsp;&nbsp;AMC Grades Report |
| &nbsp;&nbsp;[99.03](ex99-03.htm) | &nbsp;&nbsp;AMC Exception Grades Report |
| &nbsp;&nbsp;[99.04](ex99-04.htm) | &nbsp;&nbsp;AMC Valuation Summary Report |
| &nbsp;&nbsp;[99.05](ex99-05.htm) | &nbsp;&nbsp;AMC Supplemental Data Report |
| &nbsp;&nbsp;[99.06](ex99-06.htm) | &nbsp;&nbsp;AMC Business Purpose Report |
| &nbsp;&nbsp;[99.07](ex99-07.htm) | &nbsp;&nbsp;AMC Data Compare Summary Report |
| &nbsp;&nbsp;[99.08](ex99-08.htm) | &nbsp;&nbsp;Clarifii LLC ("**Clarifii**") Narrative |
| &nbsp;&nbsp;[99.09](ex99-09.htm) | &nbsp;&nbsp;Clarifii ATR or QM Report |
| &nbsp;&nbsp;[99.10](ex99-10.htm) | &nbsp;&nbsp;Clarifii Business Purpose Report |
| &nbsp;&nbsp;[99.11](ex99-11.htm) | &nbsp;&nbsp;Clarifii Data Compare Report |
| &nbsp;&nbsp;[99.12](ex99-12.htm) | &nbsp;&nbsp;Clarifii Rating Agency Grades Report |
| &nbsp;&nbsp;[99.13](ex99-13.htm) | &nbsp;&nbsp;Clarifii Rating Agency Grades Detail Report |
| &nbsp;&nbsp;[99.14](ex99-14.htm) | &nbsp;&nbsp;Clarifii Supplemental Data Report |
| &nbsp;&nbsp;[99.15](ex99-15.htm) | &nbsp;&nbsp;Clarifii Valuation Report |
| &nbsp;&nbsp;[99.16](ex99-16.htm) | &nbsp;&nbsp;Clayton Services LLC ("**Clayton**") Narrative |
| &nbsp;&nbsp;[99.17](ex99-17.htm) | &nbsp;&nbsp;Clayton Conditions Summary Report |
| &nbsp;&nbsp;[99.18](ex99-18.htm) | &nbsp;&nbsp;Clayton Conditions Detail Report |
| &nbsp;&nbsp;[99.19](ex99-19.htm) | &nbsp;&nbsp;Clayton Loan Grades Report |
| &nbsp;&nbsp;[99.20](ex99-20.htm) | &nbsp;&nbsp;Clayton Loan Level Tape Compare |
| &nbsp;&nbsp;[99.21](ex99-21.htm) | &nbsp;&nbsp;Clayton Non ATR QM Upload Report |
| &nbsp;&nbsp;[99.22](ex99-22.htm) | &nbsp;&nbsp;Clayton RA ATR QM Data Report |
| &nbsp;&nbsp;[99.23](ex99-23.htm) | &nbsp;&nbsp;Clayton Valuations Summary Report |
| &nbsp;&nbsp;[99.24](ex99-24.htm) | &nbsp;&nbsp;Clayton Waived Conditions Summary Report |
| &nbsp;&nbsp;[99.25](ex99-25.htm) | &nbsp;&nbsp;Consolidated Analytics, Inc. ("**CA**") Narrative |
| &nbsp;&nbsp;[99.26](ex99-26.htm) | &nbsp;&nbsp;CA Due Diligence Standard Report |
| &nbsp;&nbsp;[99.27](ex99-27.htm) | &nbsp;&nbsp;CA Supplemental Summary |
| &nbsp;&nbsp;[99.28](ex99-28.htm) | &nbsp;&nbsp;CA Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.29](ex99-29.htm) | &nbsp;&nbsp;CA Valuations Report |
| &nbsp;&nbsp;[99.30](ex99-30.htm) | &nbsp;&nbsp;CA Data Compare Report |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.31](ex99-31.htm) | &nbsp;&nbsp;Evolve Mortgage Services ("**Evolve**") Narrative |
| &nbsp;&nbsp;[99.32](ex99-32.htm) | &nbsp;&nbsp;Evolve Rating Agency Grades Report |
| &nbsp;&nbsp;[99.33](ex99-33.htm) | &nbsp;&nbsp;Evolve Exception Detail Report |
| &nbsp;&nbsp;[99.34](ex99-34.htm) | &nbsp;&nbsp;Evolve Valuation Report |
| &nbsp;&nbsp;[99.35](ex99-35.htm) | &nbsp;&nbsp;Evolve Data Compare Report |
| &nbsp;&nbsp;[99.36](ex99-36.htm) | &nbsp;&nbsp;Evolve QM ATR Data Report |
| &nbsp;&nbsp;[99.37](ex99-37.htm) | &nbsp;&nbsp;Evolve Business Purpose Report |
| &nbsp;&nbsp;[99.38](ex99-38.htm) | &nbsp;&nbsp;Infinity IPS, Inc. ("**Infinity**") Narrative |
| &nbsp;&nbsp;[99.39](ex99-39.htm) | &nbsp;&nbsp;Infinity Rating Agency Grade Report |
| &nbsp;&nbsp;[99.40](ex99-40.htm) | &nbsp;&nbsp;Infinity Supplemental Data Report |
| &nbsp;&nbsp;[99.41](ex99-41.htm) | &nbsp;&nbsp;Infinity Data Compare Report |
| &nbsp;&nbsp;[99.42](ex99-42.htm) | &nbsp;&nbsp;Infinity Individual Exception Report |
| &nbsp;&nbsp;[99.43](ex99-43.htm) | &nbsp;&nbsp;Infinity Loan Level Exception Report |
| &nbsp;&nbsp;[99.44](ex99-44.htm) | &nbsp;&nbsp;Infinity Valuation Report |
| &nbsp;&nbsp;[99.45](ex99-45.htm) | &nbsp;&nbsp;Maxwell Diligence Solutions, LLC ("**Maxwell**") Narrative |
| &nbsp;&nbsp;[99.46](ex99-46.htm) | &nbsp;&nbsp;Maxwell Standard Exceptions Report |
| &nbsp;&nbsp;[99.47](ex99-47.htm) | &nbsp;&nbsp;Maxwell Grading Report |
| &nbsp;&nbsp;[99.48](ex99-48.htm) | &nbsp;&nbsp;Maxwell Valuation Report |
| &nbsp;&nbsp;[99.49](ex99-49.htm) | &nbsp;&nbsp;Maxwell Supplemental Data Report |
| &nbsp;&nbsp;[99.50](ex99-50.htm) | &nbsp;&nbsp;Maxwell Business Purpose Report |
| &nbsp;&nbsp;[99.51](ex99-51.htm) | &nbsp;&nbsp;Maxwell Data Compare Report |
| &nbsp;&nbsp;[99.52](ex99-52.htm) | &nbsp;&nbsp;Selene Diligence LLC ("**Selene**") Narrative |
| &nbsp;&nbsp;[99.53](ex99-53.htm) | &nbsp;&nbsp;Selene Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.54](ex99-54.htm) | &nbsp;&nbsp;Selene Standard Findings Report |
| &nbsp;&nbsp;[99.55](ex99-55.htm) | &nbsp;&nbsp;Selene Valuation Report |
| &nbsp;&nbsp;[99.56](ex99-56.htm) | &nbsp;&nbsp;Selene Supplemental Data Report |
| &nbsp;&nbsp;[99.57](ex99-57.htm) | &nbsp;&nbsp;Selene Business Purpose Report |
| &nbsp;&nbsp;[99.58](ex99-58.htm) | &nbsp;&nbsp;Selene Data Compare Report |
| &nbsp;&nbsp;[99.59](ex99-59.htm) | &nbsp;&nbsp;Selene Mortgage Loan Schedule Report |

---

## Exhibit 99.01

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01**

![](ex9901001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and leases acquired by MFA Financial Inc. (the "Client"). These mortgage loans, which were originated by multiple parties, were purchased by the Client in multiple bulk transactions or via Reliance Letter and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

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

**■** "Leases
 Review": 3
 mortgage loans

**■** "Data
 Integrity Review": 3
 mortgage loans

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

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

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;State |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Original P&I |  |

---

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

**<u>LEASES SCOPE (3 Mortgage Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

**<u>CREDIT REVIEW</u>**

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The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

**Credit Application:** For the Credit Application, AMC will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC will determine whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC will verify the borrowing entity, if not an individual, is properly documented. In addition, AMC will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

**Property income:** AMC will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

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

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

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

**Asset Review:** AMC will assess whether the asset documentation required by the guidelines is present in the file. AMC will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the

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borrower. AMC will also review the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>DATA COLLECTION</u>**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

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

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

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

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

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

Not applicable.

**(8) Other: review and methodology.**

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

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Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

**(9) Disclaimer**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

**COMPLIANCE RESULTS SUMMARY**

Please note that 3 Leases were not subjected to a compliance review and did not receive a compliance grade.

**CREDIT RESULTS SUMMARY**

Within the securitization population, all 3 (100.00%) of the mortgage loans received an "A" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

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![](ex9901001.jpg)

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, all 3 (100.00%) of the mortgage loans received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, all 3 (100.00%) of the loans by number in the pool possessed a NRSRO grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION SUMMARY (3 Mortgage Loans)**

The table below summarizes the individual exceptions which carried an associated "B", "C", or "D" level exception grade. One loan may have carried more than one exception. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Fitch Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**0** |

---

**DATA INTEGRITY REVIEW SUMMARY (3 Mortgage Loans)**

The Data Integrity Review was completed to compare information collected by AMC during the course of the review on loans reviewed by AMC for compliance versus the provided data tape. In total, AMC identified 20 fields that were compared across various loans in the population. Some of the comparison fields are conditional based on loan characteristics (ex. ARM vs. Fixed); however, AMC, in the counts below, has included in the total comparison population all loans in the securitization population regardless of whether such data field may have been applicable for the loan in questions such that a N/A is equivalent to not exhibiting a variance.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |

---

5 \| P a g e

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**0.00%** | &nbsp;&nbsp;**3** |

---

**ADDITIONAL SUMMARY (3 Mortgage Loans)** 

*Some % of Loans may not add to 100% due to rounding*

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1353000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1353000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1353000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1353000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$468000.00 | &nbsp;&nbsp;34.59% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$885000.00 | &nbsp;&nbsp;65.41% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1353000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1353000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1353000.00** | &nbsp;&nbsp;**100.00%** |

---

6 \| P a g e

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1353000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1353000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1353000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1353000.00** | &nbsp;&nbsp;**100.00%** |

---

7 \| P a g e

## Exhibit 99.02

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02**

![](situs-logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 7/21/2025 11:30:56 AM** |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 214928285 | XXX | XXX |  | XXX | $XXX.XX A CA |  |  |  |  |  | C | VC A |  |  |  |  |  | A |
| 214928294 | XXX | XXX |  | XXX | $XXX.XX C CC |  |  |  |  |  | A | VA C |  |  |  |  |  | A |
| 214928298 | XXX | XXX |  | XXX | $XXX.XX D CD |  |  |  |  |  | C | VC D A |  |  |  |  |  | A |

---

## Exhibit 99.03

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03**

![](situs-logo.jpg)

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 7/21/2025 11:30:56 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 214928285 | XXX | XXX |  | XXX | XXX | 11/15/2018 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  | A Secondary Valuation (desk review) product is required and is not in file. |  |  |  | Reviewer Comment (2018-11-15): CDA provided with a 0% variance. Exception cleared. | 05/15/2018 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | C A |  | C A |  | N/A | No |
| 214928294 | XXX | XXX |  | XXX | XXX | 11/15/2018 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2018-11-15): Fraud report not required per bid stips or guidelines. | 07/18/2018 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | C A |  | A |  | N/A | No |
| 214928298 | XXX | XXX |  | XXX | XXX | 11/15/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2018-11-15): Received copy of the sales contract. | 07/24/2018 |  |  | 1 D A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | C A |  | N/A | No |
| 214928298 | XXX | XXX |  | XXX | XXX | 11/15/2018 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  |  |  |  |  | Reviewer Comment (2018-11-15): Received a Clear Capital desk review dated XX/XX/XXXX which provided a value of $XXX.XX, a 0.00% variance from the appraised value of $XXX.XX, value supported. | 07/24/2018 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | C A |  | N/A | No |
| 214928298 | XXX | XXX |  | XXX | XXX | 11/15/2018 | Credit | Missing Document | General | Missing Document | ACH was missing from file. |  |  |  |  |  | Reviewer Comment (2018-11-15): Received copy of the ACH agreement. | 07/27/2018 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | C A |  | N/A | No |
| 214928298 | XXX | XXX |  | XXX | XXX | 11/15/2018 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX |  |  |  |  | Reviewer Comment (2018-11-15): Fraud report was not required per bid stips or guidelines. | 07/18/2018 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | C A |  | N/A | No |

---

## Exhibit 99.04

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04**

![](situs-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 7/21/2025 11:30:56 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 214928285 | XXX | XXX |  | XX/XX/XXXX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | 0.000% | $XXX.XX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX.XX | $XXX.XX | 0.000% | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 214928294 | XXX | XXX |  | XX/XX/XXXX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | 0.000% | $XXX.XX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX.XX | $XXX.XX | 0.000% | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | Clear Capital | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| 214928298 | XXX | XXX |  | XX/XX/XXXX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | 0.000% | $XXX.XX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX.XX | $XXX.XX | 0.000% | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | Clear Capital | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |

---

## Exhibit 99.05

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05**

![](situs-logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 7/21/2025 11:30:57 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| 214928285 | XXX | XXX |  | N/A |  |  | XX/XX/XXXX | No | No |  |  |  |  | $XXX.XX |  |  | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XX/XX/XXXX | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  |  |  |  |  | $XXX.XX |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.39 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX.XX | XX.XX% |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 214928294 | XXX | XXX |  | N/A |  |  | XX/XX/XXXX | No | No |  |  |  |  | $XXX.XX |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XX/XX/XXXX | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $XXX.XX |  |  |  |  |  | No |  | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX.XX | XX.XX% |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 214928298 | XXX | XXX |  | N/A |  |  | XX/XX/XXXX | No | No |  |  |  |  | $XXX.XX |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XX/XX/XXXX | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $XXX.XX |  |  |  |  |  | No |  | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX.XX | XX.XX% |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.06

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06**

![](situs-logo.jpg)

---

| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 7/21/2025 11:30:58 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| 214928285 | XXX | XXX |  |  | XXX |  |  |  | Yes | Yes |  | $XXX.XX | $XXX.XX | XXX | $XXX.XX | XXX | $XXX.XX |  | 0.000000 | 0.77 |  |  | 1.30 | 0.72 | $XXX.XX | XX/XX/XXXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXX.XX | No |  | $XXX.XX | $XXX.XX | Level 4-Stated/Verified as defined |  | 0 | 1 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XX/XX/XXXX | 765 |  | 768 |  | 767 |  | XXX | XXX |  | XXX | XXX | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XX/XX/XXXX | 812 |  | 804 |  | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | $XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX.XX | $XXX.XX |  |  |  |  |  |  |  | 62.238% | $XXX.XX |  |  | 0.622% |  |  | 0.620% |  |  |  |  |  |  |  |  |
| 214928294 | XXX | XXX |  |  | XXX |  |  |  | Yes | No |  | $XXX.XX | $XXX.XX | XXX | $XXX.XX | XXX | $XXX.XX |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $XXX.XX | XX/XX/XXXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXX.XX | No |  | $XXX.XX | $XXX.XX | Level 4-Stated/Verified as defined |  | 0 | 0 | No | No |  | First-Time Investor |  | US Citizen |  | 696 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XX/XX/XXXX | 696 |  | 694 |  | 707 |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | $XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX.XX | $XXX.XX |  |  |  |  |  |  |  | 73.333% | $XXX.XX |  |  | 0.733% |  |  | 0.730% |  |  |  |  |  |  |  |  |
| 214928298 | XXX | XXX |  |  | XXX |  |  |  | Yes | Yes |  | $XXX.XX | $XXX.XX | XXX | $XXX.XX | XXX | $XXX.XX |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $XXX.XX | XX/XX/XXXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXX.XX | No |  | $XXX.XX | $XXX.XX | Level 4-Stated/Verified as defined |  | 0 | 0 | No | No |  | First-Time Investor |  | US Citizen |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XX/XX/XXXX | 719 |  | 703 |  | 701 |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | $XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX.XX | $XXX.XX |  |  |  |  |  |  |  | 72.000% | $XXX.XX |  |  | 0.646% |  |  | 0.650% |  |  |  |  |  |  |  |  |

---

## Exhibit 99.07

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07**

![](situs-logo.jpg)

---

| |
|:---|
| **Data Compare Summary (Total)** |
| **Run Date - 7/21/2025 11:30:59 AM** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 0 | 1 | 0.00% | 3 |
| City | 0 | 3 | 0.00% | 3 |
| State | 0 | 3 | 0.00% | 3 |
| Zip | 0 | 1 | 0.00% | 3 |
| Borrower Last Name | 0 | 1 | 0.00% | 3 |
| Note Date | 0 | 1 | 0.00% | 3 |
| Original Loan Amount | 0 | 3 | 0.00% | 3 |
| First Payment Date | 0 | 1 | 0.00% | 3 |
| Original Term | 0 | 1 | 0.00% | 3 |
| Maturity Date | 0 | 1 | 0.00% | 3 |
| Original Interest Rate | 0 | 1 | 0.00% | 3 |
| Representative FICO | 0 | 1 | 0.00% | 3 |
| Occupancy | 0 | 3 | 0.00% | 3 |
| Purpose | 0 | 3 | 0.00% | 3 |
| Index Type | 0 | 1 | 0.00% | 3 |
| Margin | 0 | 1 | 0.00% | 3 |
| # of Units | 0 | 1 | 0.00% | 3 |
| Original LTV | 0 | 3 | 0.00% | 3 |
| Borrower Self-Employed? | 0 | 1 | 0.00% | 3 |
| Original P&I | 0 | 2 | 0.00% | 3 |
| **Total** | **0** | **33** | **0.00%** | **3** |

---

## Exhibit 99.08

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08**

![](ex9908001.jpg)

**EXECUTIVE SUMMARY**

**MFA 2025-NQM3**

**By Clarifii LLC on July 22, 2025**

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 1

![](ex9908001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**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: <u>Christine.Aug@Clarifii.com</u> | &nbsp;&nbsp;&nbsp;&nbsp;E-mail: <u>Jason.Luttenberger@Clarifii.com</u> |

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 57 loans (the "Loans") and these loans were subsequently acquired by MFA Financial, Inc. (the "Client") for the MFA 2025-NQM3 transaction. The loans referenced in this narrative report were reviewed 10/2024 through 04/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.51% | &nbsp;&nbsp;$1458750.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;55 | &nbsp;&nbsp;96.49% | &nbsp;&nbsp;$36804323.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$38263073.00** |

---

The Review consisted of a population of 57 loans, with an aggregate principal balance of $38,263,073.00.

**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.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Criteria, October 26, 2023 |

---

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 2

![](ex9908001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Index Lookback Period |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |

---

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 3

![](ex9908001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 4

![](ex9908001.jpg)

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 5

![](ex9908001.jpg)

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– 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:

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject property ownership history

– Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan officer

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

● **Property** **Insurance and Taxes** 

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **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

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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:

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **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)**

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

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of

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Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

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

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

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

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

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

– Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

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

– Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

– Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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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;b. Verify application address is different from subject property

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)** 

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

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

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

**ABILITY TO REPAY (ATR)**

Clarifii reviewed the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the

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consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focused on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

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

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

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

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

**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)** 

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

**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to the population 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 value for purpose of LTV/CLTV/HCLTV.

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**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.

**VALUATION RESULTS SUMMARY** 

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |

---

**DUE DILIGENCE GRADING CRITERIA**

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

| | |
|:---|:---|
| **A** | The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

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---

| | |
|:---|:---|
| **B** | The loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| **C** | The loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| **D** | There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

**Valuation Event Grade**

---

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

---

**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. |

---

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**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;68.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;31.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &nbsp;&nbsp;77.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;22.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &nbsp;&nbsp;98.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** |

---

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 16

![](ex9908001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.75% | &nbsp;&nbsp;$1012500.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;56 | &nbsp;&nbsp;98.25% | &nbsp;&nbsp;$37250573.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$38263073.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;26 | &nbsp;&nbsp;45.61% | &nbsp;&nbsp;$17205300.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;31 | &nbsp;&nbsp;54.39% | &nbsp;&nbsp;$21057773.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$38263073.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;25 | &nbsp;&nbsp;43.86% | &nbsp;&nbsp;$18543448.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;32 | &nbsp;&nbsp;56.14% | &nbsp;&nbsp;$19719625.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$38263073.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$38263073.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$38263073.00** |

---

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 17

![](ex9908001.jpg)

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$38263073.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$38263073.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.65% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;33 | &nbsp;&nbsp;84.85% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;56 | &nbsp;&nbsp;76.79% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |

---

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 18

![](ex9908001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;56 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;3 | &nbsp;&nbsp;24 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;6 | &nbsp;&nbsp;56 | &nbsp;&nbsp;89.29% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;56 | &nbsp;&nbsp;94.64% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;52 | &nbsp;&nbsp;90.38% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;48 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;32 | &nbsp;&nbsp;78.13% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;5 | &nbsp;&nbsp;28 | &nbsp;&nbsp;82.14% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |

---

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 19

![](ex9908001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

MFA 2025-NQM3 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.09

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 424945 | XXXX | 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 | 478149 | XXXX | 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 |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 478827 | XXXX | 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 | 172860.29 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 484238 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 489092 | XXXX | 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 | 2159272.63 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 489099 | XXXX | 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 | 30175 | 7.314 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 41462.97 | Yes | Employed |  | No |  | No |  |
| XXXX | 490284 | XXXX | 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 | 490348 | XXXX | 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 | Yes | Yes | 2159272.63 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 491238 | XXXX | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 504875 | XXXX | 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 | 510260 | XXXX | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 512532 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 22618.7 | 9.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9236.29 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 513691 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 514537 | XXXX | 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 |
| XXXX | 517571 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 12336.73 | 9.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8282.14 | Yes | Employed |  | No |  | No |  |
| XXXX | 518076 | XXXX | 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 | 518605 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8487.51 | 10.289 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7858.43 | Yes | Employed |  | No |  | No |  |
| XXXX | 519398 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5975 | 9.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2712.35 | No | Employed |  | No |  | No |  |
| XXXX | 521579 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 156092.73 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 522118 | XXXX | 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 | 522602 | XXXX | 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 | 28355 | 7.765 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17996.25 | Yes | Employed |  | No |  | No |  |
| XXXX | 523161 | XXXX | 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 | 523421 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 12815.93 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 523475 | XXXX | 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 | 523560 | XXXX | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 524198 | XXXX | 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 | 5500 | 7.838 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5142.19 | Yes | Employed |  | No |  | No |  |
| XXXX | 525056 | XXXX | 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 | 18996.6 | 7.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44172.92 | Yes | Employed |  | No |  | No |  |
| XXXX | 526940 | XXXX | 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 | 10474 | 7.436 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40547.19 | Yes | Employed |  | No |  | No |  |
| XXXX | 527664 | XXXX | 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 | 527665 | XXXX | 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 | 11629.8 | 7.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13264.71 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 530104 | XXXX | 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 | 203437.11 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 531125 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 65161.64 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 532440 | XXXX | 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 | 532443 | XXXX | 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 | 6995 | 7.851 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17867.2 | Yes | Employed |  | No |  | No |  |
| XXXX | 533777 | XXXX | 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 | 533779 | XXXX | 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 | Yes | N/A | Yes | N/A | N/A | 4239.12 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 533780 | XXXX | 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 | 533781 | XXXX | 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 | 17065 | 8.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31863.51 | Yes | Employed |  | No |  | No |  |
| XXXX | 535474 | XXXX | 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 | 11235.64 | 7.836 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6505.38 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 536648 | XXXX | 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 | Yes | N/A | N/A | N/A | N/A | 425241.9 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 536649 | XXXX | 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 | 11914 | 8.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4723.37 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 537967 | XXXX | 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 | 38731 | 7.882 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24880.66 | Yes | Employed |  | No |  | No |  |
| XXXX | 537972 | XXXX | 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 | 1995 | 8.018 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23511.71 | Yes | Employed |  | No |  | No |  |
| XXXX | 538996 | XXXX | 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 | 8877.66 | 7.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5489.73 | Yes | Employed |  | No |  | No |  |
| XXXX | 538998 | XXXX | 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 | 10995 | 7.734 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 96462.72 | N/A | Employed |  | No |  | No |  |
| XXXX | 540549 | XXXX | 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 | 540550 | XXXX | 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 | 15070 | 8.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19974.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 543944 | XXXX | 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 | 6411 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47319.29 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 543946 | XXXX | 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 | 7999.39 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 544928 | XXXX | 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 | 547206 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 20795 | 8.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8189.36 | Yes | Employed |  | No |  | No |  |
| XXXX | 552706 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6216 | 9.263 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3256.05 | Yes | Employed |  | No |  | No |  |
| XXXX | 552712 | XXXX | 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 | 34933.81 | 8.291 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26171.63 | Yes | Employed |  | No |  | No |  |
| XXXX | 554320 | XXXX | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 555285 | XXXX | 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 | 7264.23 | 8.447 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26052.29 | Yes | Employed |  | No |  | No |  |
| XXXX | 563741 | XXXX | 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 | 15000 | 7.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21727.17 | Yes | Employed |  | No |  | No |  |
| XXXX | 566317 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 4866.56 | 8.223 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2958.49 | Yes | Employed |  | No |  | No |  |

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## Exhibit 99.10

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction 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** |
| XXXX | 424945 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 12450 | Appraisal - 1025 |  | N/A |  |  | 12450 | Appraisal - 1025 | No | 74.92 | 1.334 | 1.335 | 9328.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 12450 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 20.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 478149 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2550 | Appraisal - 1007 |  | N/A |  |  | 2550 | Appraisal - 1007 | No | 99.54 | 1.005 | 1.005 | 2538.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.19 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 478827 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4300 | Appraisal - 1007 |  | N/A |  |  | 4300 | Appraisal - 1007 | No | 103.32 | 0 | 0 | 4442.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4300 |  |  |  |  |  |  |  | No | 1.1 | 3 | 1 | N/A | 219.4 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 484238 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1895 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 99.55 | 1 | 1.004 | 1891.49 | 1895 | 03-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 20.28 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 489092 | XXXX | XXXX | XXXX | 24 Month Bank Statement | Present | No | 0 | 11000 | Appraisal - 1025 |  | N/A |  |  | 11000 | Appraisal - 1025 | No | 119.08 | 0 | 0 | 13099.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 11000 |  |  |  |  |  |  |  | No | 2.8 | 2 | 1 | N/A | 55.68 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 490284 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3250 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 98.22 | 1.01 | 1.018 | 3241.26 | 3250 | 02-28-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 86.42 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 490348 | XXXX | XXXX | XXXX | 24 Month Bank Statement | Present | No | 0 | 11000 | Appraisal - 1025 |  | N/A |  |  | 11000 | Appraisal - 1025 | No | 119.08 | 0 | 0 | 13099.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 11000 |  |  |  |  |  |  |  | No | 2.8 | 2 | 1 | N/A | 52.65 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 491238 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1920 | 2750 | Appraisal - 1007 |  | N/A |  |  | 1920 | Actual In Place Rent | No | 160.77 | 0.61 | 0.622 | 3086.83 | 1920 | 01-01-2027 | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1920 |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 13.54 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 504875 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1700 | 1980 | Appraisal - 1007 |  | N/A |  |  | 1980 | Appraisal - 1007 | No | 102.06 | 0.979 | 0.98 | 2020.81 | 1700 | 01-17-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1980 |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 35.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 510260 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2300 | 6975 | Appraisal - 1025 |  | N/A |  |  | 6975 | Appraisal - 1025 | No | 68.52 | 1.48 | 1.459 | 4779.25 | 0 | 12-31-2025 | 12 | 2300 | 12-31-2025 | 12 | 0 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6975 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 24.7 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 513691 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  | N/A |  |  | 3900 | Appraisal - 1007 | No | 91.14 | 1.03 | 1.039 | 3554.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 107.07 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 514537 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 12000 | Appraisal - 1007 |  | N/A |  |  | 12000 | Appraisal - 1007 | No | 100.01 | 1 | 1 | 12001.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 12000 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 13.44 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 518076 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6200 | 5200 | Appraisal - 1007 |  | N/A |  |  | 6200 | Actual In Place Rent | No | 108.73 | 0.92 | 0.92 | 6741.31 | 6200 | 02-03-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6200 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 5.18 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 521579 | XXXX | XXXX | XXXX | 2YR Business P&L | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 7464.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 0 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 9.38 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | Yoshiko | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 522118 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3725 | Appraisal - 1007 |  | N/A |  |  | 3725 | Appraisal - 1007 | No | 126.39 | 0.79 | 0.791 | 4708.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3725 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 0.27 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 523161 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2100 | 1900 | Appraisal - 1007 |  | N/A |  |  | 2100 | Actual In Place Rent | No | 99.93 | 1 | 1.001 | 2098.53 | 2100 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.73 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | Joseph | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 523421 | XXXX | XXXX | XXXX | 2YR Business P&L | Present | No | 0 | 0 | N/A |  | N/A |  |  | 0 | N/A | No |  | 0 | 0 | 5341.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.15 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 523475 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 10300 | 10300 | Appraisal - 1025 |  | N/A |  |  | 10300 | Appraisal - 1025 | No | 90.74 | 1.11 | 1.102 | 9346.13 | 3000 | 11-30-2025 | 12 | 2800 | 11-30-2025 | 12 | 4500 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 10300 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 35.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 523560 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 1650 | Appraisal - 1007 |  | N/A |  |  | 2200 | Actual In Place Rent | No | 70.35 | 1.421 | 1.421 | 1547.69 | 2200 | 08-25-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 2200 |  |  |  |  |  |  |  | No | 4 | 1 | 1 | N/A | 117.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 527664 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2550 | Appraisal - 1025 |  | N/A |  |  | 2550 | Appraisal - 1025 | No | 62.31 | 1.605 | 1.605 | 1588.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2550 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 72.99 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 530104 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 8150 | Appraisal - 1007 |  | N/A |  |  | 8150 | Appraisal - 1007 | No | 303.25 |  | 0 | 24714.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 8150 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 32.41 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | Ryan | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 531125 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2280 | Appraisal - 1007 |  | N/A |  |  | 2280 | Appraisal - 1007 | No | 130.64 |  | 0 | 2978.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2280 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.25 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 532440 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4150 | Appraisal - 1007 |  | N/A |  |  | 4150 | Appraisal - 1007 | No | 123.72 | 0.808 | 0.808 | 5134.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4150 |  |  |  |  |  |  |  | No | 1.7 | 1 | 1 | N/A | 23.55 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 533777 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7200 | Appraisal - 1007 |  | N/A |  |  | 7200 | Appraisal - 1007 | No | 131.92 | 0.758 | 0.758 | 9498.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 7200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.83 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 533779 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 2478 | Appraisal - 1007 |  | N/A |  |  | 2478 | Appraisal - 1007 | No | 118.57 |  | 0 | 2938.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2478 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.03 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 533780 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 82.3 | 1.038 | 1.215 | 1440.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 1.18 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 536648 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 147.42 |  | 0 | 5601.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 221.93 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | Amber | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 540549 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2275 | Appraisal - 1007 | 3050 | AirDNA | 1 |  | 3050 | AirDNA | Yes | 97.76 | 1.024 | 1.023 | 2981.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 3050 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.44 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 543946 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 138.34 |  | 0 | 3873.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.33 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 544928 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 11000 | Appraisal - 1007 |  | N/A |  |  | 11000 | Appraisal - 1007 | No | 114.73 | 0.829 | 0.872 | 12619.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 79.71 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 554320 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 113.62 | 0.88 | 0.88 | 1817.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 25.94 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.11

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.11**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 478149 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | See Note |
| XXXX | 478149 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | See 1003 w/foreign current address |
| XXXX | 478827 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 478827 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 489092 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 489092 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | 489092 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | See Appraisal. |
| XXXX | 490284 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 490284 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 490348 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 490348 | XXXX | XXXX | Number of Units | propertyValuationPage | 3 | 2 | Per Appraisal |
| XXXX | 490348 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 490348 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 491238 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note pg 459 |
| XXXX | 491238 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD on pg 136 |
| XXXX | 491238 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | XXXX |
| XXXX | 491238 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.622 | 0.61 | DSCR manually calculated as .61898% |
| XXXX | 504875 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 504875 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.98 | 1 | Audit matches lender's DSCR calc per worksheet |
| XXXX | 510260 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 510260 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 510260 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.459 | 1.48 | Per Rent and leases / Final PITI |
| XXXX | 512532 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 513691 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | 514537 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note |
| XXXX | 514537 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 517571 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 517571 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per 1008 |
| XXXX | 518076 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 518605 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 518605 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 733 | 685 | Per Credit Report |
| XXXX | 518605 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.72 | 17.36 | Lender calculated income as 100% owner. Per tax preparer 50% owner. |
| XXXX | 519398 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 519398 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Used lower of 2 appraisals for LTV calc. Matches s/p |
| XXXX | 521579 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 521579 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 522118 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 522602 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note |
| XXXX | 522602 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 523161 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 523161 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 523421 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in File |
| XXXX | 523475 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 523475 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 523475 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 523475 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 523475 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 75 | 73.12 | Appraisal/loan amount |
| XXXX | 523475 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 75 | 73.12 | Appraisal/loan amount |
| XXXX | 523475 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.102 | 1.11 | Per 1008 DSCR calc |
| XXXX | 523560 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 60 | NA | per note |
| XXXX | 526940 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.46 | 11.00 | Per assets provided |
| XXXX | 530104 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 530104 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 32.41 | 60.00 | Audit assets in line with lender final 1003 |
| XXXX | 531125 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.25 | 32.00 | Audit based on verified assets |
| XXXX | 532440 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | Per Note |
| XXXX | 532440 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement |
| XXXX | 532440 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 23.55 | 0.00 | Per Final Settlement proceeds |
| XXXX | 532443 | XXXX | XXXX | Borrower 1 Bankruptcy in past 7 years? | the1003Page | No | Yes | Per 1003/credit report |
| XXXX | 532443 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Per Approval-primary |
| XXXX | 532443 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 44.71 | 6.00 | Per Final CD - cashout |
| XXXX | 533777 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 12 | NA | Per Note |
| XXXX | 533777 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Audit received final closing statement in stips. |
| XXXX | 533780 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | Per Note |
| XXXX | 533780 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per assets provided |
| XXXX | 533780 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.215 | 1.0375 | Audit used a lower HOI |
| XXXX | 533781 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 3.42 | 4.00 | Borrower is short reserves |
| XXXX | 536649 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Gifts were not used as reserves |
| XXXX | 536649 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Primary residence, fixed first lien |
| XXXX | 537967 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 27.5 | 32.00 | Per asset docs. |
| XXXX | 537967 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per asset docs. |
| XXXX | 537972 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit matches final 1003 |
| XXXX | 537972 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per cash out proceeds and checking |
| XXXX | 538996 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | true | N | Per Final 1003 |
| XXXX | 538998 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per P&L at 33% ownership |
| XXXX | 538998 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per P&L at 33% ownership |
| XXXX | 538998 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.61 | 9.06 | Audit income is lower than the lenders income. |
| XXXX | 538998 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary residence, 1st lien, full doc |
| XXXX | 540549 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 12 | NA | Per Note |
| XXXX | 540549 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 540549 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 543946 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 114176.94 | 25985.03 | per assets provided |
| XXXX | 547206 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | XXXX |
| XXXX | 554320 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | Per Note |
| XXXX | 563741 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |

---

## Exhibit 99.12

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.12**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 424945 | XXXX | XXXX C A B |
| XXXX | 478149 | XXXX | XXXX D A |
| XXXX | 478827 | XXXX | XXXX D A B |
| XXXX | 484238 | XXXX | XXXX A |
| XXXX | 489092 | XXXX | XXXX C A B |
| XXXX | 489099 | XXXX | XXXX A |
| XXXX | 490284 | XXXX | XXXX C A B |
| XXXX | 490348 | XXXX | XXXX C A B |
| XXXX | 491238 | XXXX | XXXX D A C |
| XXXX | 504875 | XXXX | XXXX A |
| XXXX | 510260 | XXXX | XXXX A |
| XXXX | 512532 | XXXX | XXXX D C A B |
| XXXX | 513691 | XXXX | XXXX A |
| XXXX | 514537 | XXXX | XXXX D A B |
| XXXX | 517571 | XXXX | XXXX C A |
| XXXX | 518076 | XXXX | XXXX C A B |
| XXXX | 518605 | XXXX | XXXX D A |
| XXXX | 519398 | XXXX | XXXX C A |
| XXXX | 521579 | XXXX | XXXX D A |
| XXXX | 522118 | XXXX | XXXX C A B |
| XXXX | 522602 | XXXX | XXXX C A |
| XXXX | 523161 | XXXX | XXXX C A |
| XXXX | 523421 | XXXX | XXXX A |
| XXXX | 523475 | XXXX | XXXX A |
| XXXX | 523560 | XXXX | XXXX A |
| XXXX | 524198 | XXXX | XXXX A |
| XXXX | 525056 | XXXX | XXXX C A B |
| XXXX | 526940 | XXXX | XXXX A |
| XXXX | 527664 | XXXX | XXXX A |
| XXXX | 527665 | XXXX | XXXX A |
| XXXX | 530104 | XXXX | XXXX D A |
| XXXX | 531125 | XXXX | XXXX D A |
| XXXX | 532440 | XXXX | XXXX C A |
| XXXX | 532443 | XXXX | XXXX A B |
| XXXX | 533777 | XXXX | XXXX D A C |
| XXXX | 533779 | XXXX | XXXX C A B |
| XXXX | 533780 | XXXX | XXXX A |
| XXXX | 533781 | XXXX | XXXX C B A |
| XXXX | 535474 | XXXX | XXXX A |
| XXXX | 536648 | XXXX | XXXX A |
| XXXX | 536649 | XXXX | XXXX A |
| XXXX | 537967 | XXXX | XXXX C B A |
| XXXX | 537972 | XXXX | XXXX D A B |
| XXXX | 538996 | XXXX | XXXX D A |
| XXXX | 538998 | XXXX | XXXX D A |
| XXXX | 540549 | XXXX | XXXX A B |
| XXXX | 540550 | XXXX | XXXX D A |
| XXXX | 543944 | XXXX | XXXX D A |
| XXXX | 543946 | XXXX | XXXX A |
| XXXX | 544928 | XXXX | XXXX A |
| XXXX | 547206 | XXXX | XXXX A C |
| XXXX | 552706 | XXXX | XXXX C A |
| XXXX | 552712 | XXXX | XXXX A |
| XXXX | 554320 | XXXX | XXXX A |
| XXXX | 555285 | XXXX | XXXX A |
| XXXX | 563741 | XXXX | XXXX A D B |
| XXXX | 566317 | XXXX | XXXX D B A |

---

## Exhibit 99.13

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction 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** |
| XXXX | 424945 | XXXX C B A | Closed | FCRE5778 | 2024-10-19 10:45 | 2024-10-25 17:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-10/25/2024 <br> Ready for Review-Please note that an exception would not be required since Section 6.1 of the quide confirms credit should be dated within 120 days of the Note/Mortgage. We are working in updating the guides to match throughout the document. - Seller-10/23/2024 <br> Counter-Provide an lender exception to allow credit report that is expired. - Due Diligence Vendor-10/23/2024 <br> Ready for Review-Thank you for pointing out a Discrepancy in our guide. Please note we are working in aligning all of the XXXX guides and are aware of the discrepancy in the expiration dates. We ask this condition be waived as the expiration dates will be aligned between both the Alt Guide and DSCR Guide to reflect 120 days. - Seller-10/21/2024 <br> Open-97 days old - Due Diligence Vendor-10/19/2024 | Ready for Review-Please note that an exception would not be required since Section 6.1 of the quide confirms credit should be dated within 120 days of the Note/Mortgage. We are working in updating the guides to match throughout the document. - Seller-10/23/2024 <br> Ready for Review-Thank you for pointing out a Discrepancy in our guide. Please note we are working in aligning all of the XXXX guides and are aware of the discrepancy in the expiration dates. We ask this condition be waived as the expiration dates will be aligned between both the Alt Guide and DSCR Guide to reflect 120 days. - Seller-10/21/2024 | Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-10/25/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines state 700 FICO- Borrower has 769 FICO<br>Months Reserves exceed minimum required - 6 mths reserves required- borrower has over 20.52 mths reserves | 769 FICO > 700 minimum required<br> 20.52 months reserves > 6 months minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 2639300 |
| XXXX | 478149 | XXXX D A | Closed | FCRE8887 | 2024-12-31 09:56 | 2025-01-15 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-1003 provided with a 15 year address history - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. - Seller-01/15/2025 <br> Counter-A two history of the primary residence is required to be listed on the application for Securitization purposes. Finding remains. - Due Diligence Vendor-01/03/2025 <br> Ready for Review-Please note that the loan was approved as a XXXX Loan as evidenced by the Lock Confirmation. Therefore a 2 year residence history would not be required as they live outside the XXXX. A 2 year history is required for XXXX, XXXX or a XXXX. - Seller-01/02/2025 <br> Open-Missing 2 year address history on Final 1003 - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/15/2025 <br> Ready for Review-Please note that the loan was approved as a XXXX Loan as evidenced by the Lock Confirmation. Therefore a 2 year residence history would not be required as they live outside the XXXX. A 2 year history is required for XXXX. - Seller-01/02/2025 | Resolved-1003 provided with a 15 year address history - Due Diligence Vendor-01/15/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR = 1.005<br>Months Reserves exceed minimum required - 6 mths reserves- Borrower has 7.19 mos reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3111358 |
| XXXX | 478149 | XXXX D A | Closed | FCRE1491 | 2024-12-31 10:17 | 2025-01-03 15:27 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-DSCR guidelines do not require source of large deposits. - Due Diligence Vendor-01/03/2025 <br> Ready for Review-Please note that this is a DSCR Loan and deposits are not required to be sourced. Therefore, statements for account# XXXX would not be required. - Seller-01/02/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing statements for account ending in XXXX to support transfers made to account ending in XXXX - Due Diligence Vendor-12/31/2024 | Ready for Review-Please note that this is a DSCR Loan and deposits are not required to be sourced. Therefore, statements for account# XXXX would not be required. - Seller-01/02/2025 | Resolved-DSCR guidelines do not require source of large deposits. - Due Diligence Vendor-01/03/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR = 1.005<br>Months Reserves exceed minimum required - 6 mths reserves- Borrower has 7.19 mos reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3111691 |
| XXXX | 478827 | XXXX D B A | Closed | FCRE8201 | 2025-01-02 10:24 | 2025-01-09 10:46 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-There is a Gap in our Matrix which accidently list XXXX as not being eligible for financing, The following response was provided with the finding:<br>Findings: Per the matrix, XXXX property is an ineligible state; Please provide an approved exception waiver.<br>Response: Thank you for pointing out a gap between the XXXX matrix and the Investor matrix. The XXXX matrix erroneously lists XXXX as an ineligible state however loans in XXXX are eligible. We are in the process of updating the XXXX alt doc matrix to remove XXXX as an ineligible state. See the enclosed investor matrix which does not list XXXX as an ineligible state.<br>- Due Diligence Vendor-01/09/2025 <br> Counter-Even if the Matrix is not correct, an originator exception is required. - Due Diligence Vendor-01/06/2025 <br> Ready for Review-Document Uploaded. Thank you for pointing out a gap between the XXXX matrix and the Investor matrix. The XXXX matrix erroneously lists XXXX as an ineligible state however loans in XXXX are eligible. We are in the process of updating the XXXX alt doc matrix to remove XXXX as an ineligible state. See the enclosed investor matrix which does not list XXXX as an ineligible state. Please note that the XXXX Guide also does not list XXXX as being Ineligible for financing. - Seller-01/02/2025 <br> Ready for Review-Thank you for pointing out a gap between the XXXX matrix and the Investor matrix. The XXXX matrix erroneously lists XXXX as an ineligible state however loans in XXXX are eligible. We are in the process of updating the XXXX alt doc matrix to remove XXXX as an ineligible state. See the enclosed investor matrix which does not list XXXX as an ineligible state. - Seller-01/02/2025 <br> Open-Per the XXXX XXXX Non QM matrix, XXXX is an ineligible state. - Due Diligence Vendor-01/02/2025 | Ready for Review-Document Uploaded. Thank you for pointing out a gap between the XXXX matrix and the Investor matrix. The XXXX matrix erroneously lists XXXX as an ineligible state however loans in XXXX are eligible. We are in the process of updating the XXXXXXXX alt doc matrix to remove XXXX as an ineligible state. See the enclosed investor matrix which does not list XXXX as an ineligible state. Please note that the XXXX Guide also does not list XXXX as being Ineligible for financing. - Seller-01/02/2025 <br> Ready for Review-Thank you for pointing out a gap between the XXXX matrix and the Investor matrix. The XXXX matrix erroneously lists NY as an ineligible state however loans in XXXX are eligible. We are in the process of updating the XXXX alt doc matrix to remove XXXX as an ineligible state. See the enclosed investor matrix which does not list XXXX as an ineligible state. - Seller-01/02/2025 | Resolved-There is a Gap in our Matrix which accidently list XXXX as not being eligible for financing, The following response was provided with the finding:<br>Findings: Per the matrix, XXXX property is an ineligible state; Please provide an approved exception waiver.<br>Response: Thank you for pointing out a gap between the XXXX matrix and the Investor matrix. The XXXX matrix erroneously lists XXXX as an ineligible state however loans in XXXX are eligible. We are in the process of updating the XXXX alt doc matrix to remove XXXX as an ineligible state. See the enclosed investor matrix which does not list XXXX as an ineligible state.<br>- Due Diligence Vendor-01/09/2025 | Months Reserves exceed minimum required - 3 mths req'd- Borrower has 219.4 mths<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 16% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3120949 |
| XXXX | 478827 | XXXX D B A | Closed | FVAL4346 | 2025-01-02 09:53 | 2025-01-02 10:28 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Appraisal is stale dated without recertification in file | Waived-Originator exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-01/02/2025 <br>Open-Appraisal transfer was more than 60 days old but within 120 days at closing.<br> - Due Diligence Vendor-01/02/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-01/02/2025<br>| Months Reserves exceed minimum required - 3 mths req'd- Borrower has 219.4 mths<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 16% | fico is 137 above minimum<br> dti is more than 5% below max,<br> 7+ years same employment |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3120598 |
| XXXX | 484238 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 489092 | XXXX C B A | Closed | FCRE1492 | 2025-01-07 15:59 | 2025-07-11 08:23 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception received for exceeding max cash out with compensating factor listed - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-01/13/2025 <br> Counter-Please provide an approved exception. - Due Diligence Vendor-01/10/2025 <br> Ready for Review-Document Uploaded. Thank you for pointing out a Gap between the XXXX Matrix and Investor Matrix. We are in process of updating our Matrices to line up with the investors which do not limit the amount of Cash out. Please see the attached Investor Matrix and Overlays which do not cap the Cash back amount. - Seller-01/09/2025 <br> Open-Maximum cash out allowed with LTV over 65% is XXXX. Borrower is receiving XXXX. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2025 <br>Ready for Review-Document Uploaded. Thank you for pointing out a Gap between the XXXX Matrix and Investor Matrix. We are in process of updating our Matrices to line up with the investors which do not limit the amount of Cash out. Please see the attached Investor Matrix and Overlays which do not cap the Cash back amount. - Seller-01/09/2025<br>| Waived-Originator exception received for exceeding max cash out with compensating factor listed - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - Req'd reserves 0- Borrower has over 6 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 758 | 5+ years Verified employment history exceeds guidelines<br> Qualifying DTI 5% below maximum allowed | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3158003 |
| XXXX | 489099 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 490284 | XXXX C B A | Closed | FCRE7011 | 2025-01-09 13:06 | 2025-07-11 08:25 | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Originator exception granted and in file, waiver applied with comp factors. Waiver received: Seeking exception to waive the 6 month rent loss requirement - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-01/14/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. 6 months rent loss coverage is required. Per Rental Value Coverage, page 350 the fair rental amount is 10% of XXXX = XXXX - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. Waiver received: Seeking exception to waive the 6 month rent loss requirement - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - Min reserve requirement is 2 months, borrower has 86.42 months<br>LTV is less than guideline maximum - Max LTV is 75%, loan is at 64.86%<br>Qualifying FICO score is at least 20 points above minimum for program - 769 FICO; 700 min required | Qualifying FICO 20 pts above min<br> LTV is 5% less than guideline maximum | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3173836 |
| XXXX | 490348 | XXXX C B A | Closed | FCRE1492 | 2025-01-09 17:19 | 2025-07-11 08:30 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted and in file, waiver applied with comp factors. Exception provided for exceeding max cash out with compensating factor listed - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-01/13/2025 <br> Ready for Review-Document Uploaded. Thank you for pointing out a Gap between the XXXX Matrix and Investor Matrix. We are in process of updating our Matrices to line up with the investors which do not limit the amount of Cash out. Please see the attached Investor Matrix and Overlays which do not cap the Cash back amount. - Seller-01/10/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Max cash out >65% LTV is XXXX - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2025 <br>Ready for Review-Document Uploaded. Thank you for pointing out a Gap between the XXXX Matrix and Investor Matrix. We are in process of updating our Matrices to line up with the investors which do not limit the amount of Cash out. Please see the attached Investor Matrix and Overlays which do not cap the Cash back amount. - Seller-01/10/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. Exception provided for exceeding max cash out with compensating factor listed - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - Req'd reserves 0- Borrower has over 6 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 758 | 5+ years verified employment history<br> qualifying DTI 5% below max | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3177022 |
| XXXX | 491238 | XXXX D A C | Closed | FCRE0043 | 2025-01-10 10:34 | 2025-01-23 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was located. - Due Diligence Vendor-01/13/2025 <br>Open-Guideline requires all members over 25% to sign personal guaranty and security instruments and provide a 1003/credit report. <br> Seeking exception to only allow PG/signing from borrower who is also a member of the LLC without a PG 1003/credit report from the nonborrowing member. - Due Diligence Vendor-01/10/2025 |  | Resolved-DSCR Calculation was located. - Due Diligence Vendor-01/13/2025<br>| Months Reserves exceed minimum required - 0 mths reserves- 13.53 mths the Brw has <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 625, Bwr FICO 683 | LTV 5% + below maximum.<br> On time mortgage history exceeds 24 +months<br> 24+ month credit history exceeds minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3181128 |
| XXXX | 491238 | XXXX D A C | Closed | FPRO0011 | 2025-01-10 10:37 | 2025-01-23 14:41 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided with free and clear of disaster. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. - Seller-01/23/2025 <br> Ready for Review-Inspection provided for wrong address - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. - Seller-01/23/2025 <br> Open-XXXX. XXXX and continuing. Declaration Date:XXXX. Post Disaster Inspection Required. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-01/23/2025 <br>Ready for Review-Document Uploaded. - Seller-01/23/2025<br>| Resolved-PDI provided with free and clear of disaster. - Due Diligence Vendor-01/23/2025<br>| Months Reserves exceed minimum required - 0 mths reserves- 13.53 mths the Brw has <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 625, Bwr FICO 683 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3181205 |
| XXXX | 504875 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 510260 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 512532 | XXXX D B C A | Closed | finding-3634 | 2025-02-04 09:47 | 2025-02-21 08:11 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD 2/19/2025, LOE and evidence of delivery. Finding Cured - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-02/19/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.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 XXXX (Appraisal Fee and Loan Discount Point Fee) without a valid COC in file. Final CD includes XXXX credit for increase in closing cost above legal limit. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. Cure on Final CD of XXXX does not cure finding. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025<br>| Cured-Received PCCD XXXX, LOE and evidence of delivery. Finding Cured - Due Diligence Vendor-07/11/2025 | Residual Income =/> 1.5 times XXXX monthly residual income - Excess Residual Inc Avail (9.2k) <br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 685 |  | 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 | 3344701 |
| XXXX | 512532 | XXXX D B C A | Closed | FCRE6914 | 2025-02-06 09:25 | 2025-02-11 17:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Upon further review, the EAD C08 is acceptable , nothing further required. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. Please note that per guidelines, A non-Perm's legal status can be verified with one of the following, a valid VISA or EAD card. Please see copy of the borrower's EAD card for review. - Seller-02/07/2025 <br>Open-Missing VISA for Coborrower, per guides on Non Perm Resident this is required - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Please note that per guidelines, A non-Perm's legal status can be verified with one of the following, a valid VISA or EAD card. Please see copy of the borrower's EAD card for review. - Seller-02/07/2025 | Resolved-Upon further review, the EAD C08 is acceptable , nothing further required. - Due Diligence Vendor-02/11/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Excess Residual Inc Avail (9.2k) <br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 685 |  | 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 | 3364113 |
| XXXX | 512532 | XXXX D B C A | Closed | FCRE1198 | 2025-02-06 10:09 | 2025-02-06 10:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/06/2025 <br> Open-Audited Reserves of 2.9 month(s) are less than Guideline Required Reserves of 12 month(s) Lender Exception: "exception to waive escrows, exception fo waive reserves, exception to do 90 LTV in XXXX when max is 85%" - Due Diligence Vendor-02/06/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/06/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Excess Residual Inc Avail (9.2k) <br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 685 | 24 months clean credit<br> DTI 5% below max<br> Residual Income |  | 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 | Yes | 3364733 |
| XXXX | 513691 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 514537 | XXXX D B A | Closed | FPRO1243 | 2025-02-10 10:02 | 2025-02-10 13:19 | Waived | 2 - Non-Material D B | Credit | Eligibility | Second Appraisal is Missing | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/10/2025 <br> Open-Lender exception provided to proceed without a second appraisal. Per lender guidelines any loan amount over XXXX will require 2 full appraisals - Due Diligence Vendor-02/10/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 791<br>Months Reserves exceed minimum required - Min Reserve Requirement 6 months- Borrowers reserves 13.44 months. | Reserves exceeding minimum requirement by 126 months, <br> 0x30x24,<br> credit score exceeding minimum requirement by 111 points |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3385240 |
| XXXX | 517571 | XXXX C A | Closed | FCRE9501 | 2025-02-11 12:03 | 2025-02-21 13:43 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received an additional Bank Statement. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Please see additional account provided showing the borrower had sufficient funds for closing. Also attached is the updated 1003 and 1008 showing the additional funds available prior to closing. - Seller-02/20/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Based on final CD, the borrower is short XXXX - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. Please see additional account provided showing the borrower had sufficient funds for closing. Also attached is the updated 1003 and 1008 showing the additional funds available prior to closing. - Seller-02/20/2025<br>| Resolved-Received an additional Bank Statement. - Due Diligence Vendor-02/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 41.111% <br>Verified employment history exceeds guidelines - 6 years on current job |  | 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 | 3397883 |
| XXXX | 518076 | XXXX C B A | Closed | FCRE8201 | 2025-02-12 17:07 | 2025-02-12 17:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-02/12/2025 <br>Open-Lender exception provided to use new lease to determine DSCR ratio - Due Diligence Vendor-02/12/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-02/12/2025<br>| LTV is less than guideline maximum - Max LTV 65%- Borrower's LTV 59.89%<br>Months Reserves exceed minimum required - 0 mths reserves req'd- Brw reserves 5.18 mths | LTV is 5% less than guidelines maximum<br> 4+ years in primary residence |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 3411681 |
| XXXX | 518605 | XXXX D A | Closed | FCRE1316 | 2025-02-12 19:43 | 2025-02-19 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Please note that the loan was approved under the Bank Statement program which does not require a 3rd Party VOE. We note that a 3rd Party VOE is only required under the Wage Earner and Self Employed (Full Doc) programs per XXXX Guidelines. We ask this condition please be cleared. - Seller-02/14/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE - Due Diligence Vendor-02/13/2025 | Ready for Review-Please note that the loan was approved under the Bank Statement program which does not require a 3rd Party VOE. We note that a 3rd Party VOE is only required under the Wage Earner and Self Employed (Full Doc) programs per XXXX Guidelines. We ask this condition please be cleared. - Seller-02/14/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/19/2025<br>| Qualifying DTI below maximum allowed - DTI 34% is lower than 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 733 is higher than 620 minimum |  |  | 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 | 3412513 |
| XXXX | 518605 | XXXX D A | Closed | FCRE1325 | 2025-02-13 07:51 | 2025-02-19 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Document Uploaded. Please see CPA Letter reflecting ownership percentage - Seller-02/14/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA Ltr (Conf own %) - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Please see CPA Letter reflecting ownership percentage - Seller-02/14/2025<br>| Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-02/19/2025<br>| Qualifying DTI below maximum allowed - DTI 34% is lower than 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 733 is higher than 620 minimum |  | 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 | 3414174 |
| XXXX | 519398 | XXXX C A | Closed | FCRE1437 | 2025-02-13 12:03 | 2025-02-18 16:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, employment documentation in the loan file meet guidelines requirements. - Due Diligence Vendor-02/18/2025 <br>Ready for Review-We Kindly disagree with this finding. Although the Business Narrative shows there are cleaning supply expenses, There is no indication that the Personal Statements are being used for business related expenses. Per Guidelines, an expense factor is not required, unless, there is indication the statements are comingled and business related expenses are identified. We ask that this condition please be cleared. - Seller-02/14/2025 <br>Open-Income and Employment Do Not Meet Guidelines Missing expense factor for the borrower's business on the CPA/CTEC letter. (Lender did not use an expense factor in qualification of the income. The borrower's S/E Business Narrative does state borrower has business expenses). Additional conditions may apply - Due Diligence Vendor-02/13/2025 | Ready for Review-We Kindly disagree with this finding. Although the Business Narrative shows there are cleaning supply expenses, There is no indication that the Personal Statements are being used for business related expenses. Per Guidelines, an expense factor is not required, unless, there is indication the statements are comingled and business related expenses are identified. We ask that this condition please be cleared. - Seller-02/14/2025<br>| Resolved-Upon further review, employment documentation in the loan file meet guidelines requirements. - Due Diligence Vendor-02/18/2025<br>| Months Reserves exceed minimum required - Reserves required 6 mths- Borrower has 8 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 785 |  |  | 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 | 3417193 |
| XXXX | 519398 | XXXX C A | Closed | FCRE1193 | 2025-02-13 12:40 | 2025-02-18 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review, guidelines allow 100% deposit for personal bank account. Audited DTI of 40.67% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/18/2025 <br>Ready for Review-We kindly disagree. Please note that the loan was approved using Personal Bank Statements, which does not require a business expense factor to be used. We note that Business Narrative shows the borrower has business expenses; however, the personal statements used to qualify do not show any indication the personal statements contain any business expenses. WE ask this condition be waived since an expense factor was not required to be factored in. - Seller-02/14/2025 <br>Open-Audited DTI of 81.33% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/13/2025 | Ready for Review-We kindly disagree. Please note that the loan was approved using Personal Bank Statements, which does not require a business expense factor to be used. We note that Business Narrative shows the borrower has business expenses; however, the personal statements used to qualify do not show any indication the personal statements contain any business expenses. WE ask this condition be waived since an expense factor was not required to be factored in. - Seller-02/14/2025<br>| Resolved-Upon further review, guidelines allow 100% deposit for personal bank account. Audited DTI of 40.67% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/18/2025<br>| Months Reserves exceed minimum required - Reserves required 6 mths- Borrower has 8 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 785 |  |  | 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 | 3417681 |
| XXXX | 521579 | XXXX D A | Closed | FCOM1352 | 2025-02-14 10:55 | 2025-02-20 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received confirmation no Business Purpose Affidavit. Occupancy Certification - confirming Investment Property Only (page 569) for rate/term refi is acceptable. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Please note this loan was not a business purpose loan. Please note that the note and deed are completed in the borrower's individual names. The cash out was for the borrower's and not business related. - Seller-02/18/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-02/14/2025 | Ready for Review-Please note this loan was not a business purpose loan. Please note that the note and deed are completed in the borrower's individual names. The cash out was for the borrower's and not business related. - Seller-02/18/2025<br>| Resolved-Received confirmation no Business Purpose Affidavit. Occupancy Certification - confirming Investment Property Only (page 569) for rate/term refi is acceptable. - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min Fico is 660, borrowers mid score is 776<br>LTV is less than guideline maximum - Min LTV is 85%, loan is at 60% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3425495 |
| XXXX | 522118 | XXXX C B A | Closed | FCRE1232 | 2025-02-14 10:14 | 2025-02-14 10:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-The Calculated DSCR of '0.791' is less than the minimum DSCR per lender guidelines of '1'. FTHB requires a minimum of 1 DSCR ratio without a 12 month VOR available. <br> Originator exception granted and in file, Waiver applied with comp factors. - Due Diligence Vendor-02/14/2025 <br>Open-The Calculated DSCR of '0.791' is less than the minimum DSCR per lender guidelines of '1'. FTHB requires a minimum of 1 DSCR ratio without a 12 month VOR available. <br> Originator exception granted and in file, Waiver applied with comp factors. - Due Diligence Vendor-02/14/2025 |  | Waived-The Calculated DSCR of '0.791' is less than the minimum DSCR per lender guidelines of '1'. FTHB requires a minimum of 1 DSCR ratio without a 12 month VOR available. <br> Originator exception granted and in file, Waiver applied with comp factors. - Due Diligence Vendor-02/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Brw FICO 681<br>LTV is less than guideline maximum - Max LTV 70%- Brw LTV 60% | LTV is 10% lower than what he can qualify for, <br> reserves 3 months above minimum,<br> Qualifying FICO score is at least 20 points above minimum for program,<br> LTV is 5% less than guideline maximum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3425045 |
| XXXX | 522602 | XXXX C A | Closed | FCRE1506 | 2025-02-14 16:50 | 2025-02-25 15:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documentation. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Please clear condition as income/employment finding has been resolved - Seller-02/24/2025 <br> Counter-Received notes 12-24 mos bank statement program is allowed for program however Matrix dated XXXX Requirements only reflect Asset Util/Dep/WVOE/P&L only. (Approval received in file reflects as Full Doc). - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Please note that per the XXXX XXXX guidelines, Bank Statement are allowed for the NonQM Program. The Matrix only addresses overlays specific to the documentation types mentioned; since there are no overlays for the Bank Statement program, it is not mentioned on the Matrix.. - Seller-02/18/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income finding - Due Diligence Vendor-02/14/2025 | Ready for Review-Please clear condition as income/employment finding has been resolved - Seller-02/24/2025 <br> Ready for Review-Please note that per the XXXX XXXX guidelines, Bank Statement are allowed for the XXXX Program. The Matrix only addresses overlays specific to the documentation types mentioned; since there are no overlays for the Bank Statement program, it is not mentioned on the Matrix.. - Seller-02/18/2025 | Resolved-Received income documentation. - Due Diligence Vendor-02/25/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Brw's DTI 43.28%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Brw's FICO 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3429300 |
| XXXX | 522602 | XXXX C A | Closed | FCRE1437 | 2025-02-14 09:26 | 2025-02-21 17:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-The Matrix only addresses overlays specific to the documentation types mentioned, the bank statement program is allowed. - Due Diligence Vendor-02/21/2025 <br> Counter-Received notes 12-24 mos bank statement program is allowed for program however Matrix dated XXXX Requirements only reflect Asset Util/Dep/WVOE/P&L only. (Approval received in file reflects as Full Doc). - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Please note that per the XXXX XXXX guidelines, Bank Statement are allowed for the NonQM Program. The Matrix only addresses overlays specific to the documentation types mentioned; since there are no overlays for the Bank Statement program, it is not mentioned on the Matrix.. - Seller-02/18/2025 <br> Open-Income and Employment Do Not Meet Guidelines Based on the 1.21.25 Matrix, does not allow for Bank Statement Program - Due Diligence Vendor-02/14/2025 | Ready for Review-Please note that per the XXXX XXXX guidelines, Bank Statement are allowed for the XXXX Program. The Matrix only addresses overlays specific to the documentation types mentioned; since there are no overlays for the Bank Statement program, it is not mentioned on the Matrix.. - Seller-02/18/2025 | Resolved-The Matrix only addresses overlays specific to the documentation types mentioned, the bank statement program is allowed. - Due Diligence Vendor-02/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Brw's DTI 43.28%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Brw's FICO 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3424431 |
| XXXX | 522602 | XXXX C A | Closed | FCRE1159 | 2025-02-14 09:18 | 2025-02-20 14:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review, the loan file contained all required hazard insurance documentation. HOI effective date is same as disbursement date and reflects as paid on CD. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Please note subject's closing/signing date was XXXX; however, the Funding & Disbursement date was XXXX; therefore, the HOI effective date of XXXX would deem the HOI Valid at time of funding. - Seller-02/18/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Provide proof that the Hazard Insurance was in effect as of the Note Date of XXXX. - Due Diligence Vendor-02/14/2025 | Ready for Review-Please note subject's closing/signing date was XXXX; however, the Funding & Disbursement date was XXXX; therefore, the HOI effective date of XXXX would deem the HOI Valid at time of funding. - Seller-02/18/2025 | Resolved-Upon further review, the loan file contained all required hazard insurance documentation. HOI effective date is same as disbursement date and reflects as paid on CD. - Due Diligence Vendor-02/20/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Brw's DTI 43.28%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Brw's FICO 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3424349 |
| XXXX | 522602 | XXXX C A | Closed | FCRE0044 | 2025-02-14 09:36 | 2025-02-20 14:38 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit inquiry documentation. Inquiry reflected in new account reporting on credit. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-The credit reported two inquiries on XXXX. Both inquiries were for the Auto Lease with XXXX Financial opened on XXXX; therefore, a credit inquiry letter is not required. Additionally, the inquiry reported on Data Verify is related to the subject loan and an inquiry letter is also not required. - Seller-02/18/2025 <br> Open-LOX for credit inquiries is missing. Provide the credit inquiry letter. - Due Diligence Vendor-02/14/2025 | Ready for Review-The credit reported two inquiries on XXXX, XXXX. Both inquiries were for the Auto Lease with XXXX opened on XXXX; therefore, a credit inquiry letter is not required. Additionally, the inquiry reported on Data Verify is related to the subject loan and an inquiry letter is also not required. - Seller-02/18/2025 | Resolved-Upon further review, the loan file contained all required credit inquiry documentation. Inquiry reflected in new account reporting on credit. - Due Diligence Vendor-02/20/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Brw's DTI 43.28%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Brw's FICO 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3424547 |
| XXXX | 522602 | XXXX C A | Closed | finding-3634 | 2025-02-12 17:20 | 2025-02-19 08:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC XXXX, finding resolved. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. Please see attached CD and CIC showing the PDI fee of XXXX disclosed - Seller-02/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.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 XXXX (Appraisal Fee increased by XXXX and Disaster fee increased XXXX) 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX [ Appraisal fee of XXXX resolved by lender credit for increase in closing cost above legal limit]<br> - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Please see attached CD and CIC showing the PDI fee of $55 disclosed - Seller-02/18/2025<br>| Resolved------Received COC XXXX, finding resolved. - Due Diligence Vendor-02/19/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Brw's DTI 43.28%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Brw's FICO 746 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3411801 |
| XXXX | 523161 | XXXX C A | Closed | FCRE1195 | 2025-02-18 13:24 | 2025-02-21 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Received the Lease Agreement with first month rent and deposit. Audited LTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. Please note per the XXXX DSCR guidelines, section 3.1 "In the event, that the property is not tenant occupied, the purchaser may bring in their own tenant and use the new lease to qualify up to 120% higher than the 1007/1025 market rent. Must document security deposit and first month's rent before loan closing.". The loan file contained the attached new lease agreement and evidence of the deposit of the first month rent and damage deposit. As such the qualifying rent amount of $2100 was used resulting in a DSCR >1. The LTV/CLTV/HCLTV of 80% was in accordance with the max allowed per the matrix. - Seller-02/20/2025 <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% DSCR < 1 : Max 75% LTV - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please note per the XXXX DSCR guidelines, section 3.1 "In the event, that the property is not tenant occupied, the purchaser may bring in their own tenant and use the new lease to qualify up to 120% higher than the 1007/1025 market rent. Must document security deposit and first month's rent before loan closing.". The loan file contained the attached new lease agreement and evidence of the deposit of the first month rent and damage deposit. As such the qualifying rent amount of XXXX was used resulting in a DSCR >1. The LTV/CLTV/HCLTV of 80% was in accordance with the max allowed per the matrix. - Seller-02/20/2025 | Resolved-Received the Lease Agreement with first month rent and deposit. Audited LTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 780<br>Months Reserves exceed minimum required - Min reserve requirement is 3, borrower has 24.73 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3440383 |
| XXXX | 523161 | XXXX C A | Closed | FCRE1196 | 2025-02-18 13:24 | 2025-02-21 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Received the Lease Agreement with first month rent and deposit. Audited LTV of 80% is less than or equal to Guideline HLTV of 80% - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Please note per the XXXX DSCR guidelines, section 3.1 "In the event, that the property is not tenant occupied, the purchaser may bring in their own tenant and use the new lease to qualify up to 120% higher than the 1007/1025 market rent. Must document security deposit and first month's rent before loan closing.". The loan file contained the attached new lease agreement and evidence of the deposit of the first month rent and damage deposit. As such the qualifying rent amount of XXXX was used resulting in a DSCR >1. The LTV/CLTV/HCLTV of 80% was in accordance with the max allowed per the matrix. - Seller-02/20/2025 <br> Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% DSCR < 1 : Max 75% LTV - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please note per the XXXX DSCR guidelines, section 3.1 "In the event, that the property is not tenant occupied, the purchaser may bring in their own tenant and use the new lease to qualify up to 120% higher than the 1007/1025 market rent. Must document security deposit and first month's rent before loan closing.". The loan file contained the attached new lease agreement and evidence of the deposit of the first month rent and damage deposit. As such the qualifying rent amount of XXXX was used resulting in a DSCR >1. The LTV/CLTV/HCLTV of 80% was in accordance with the max allowed per the matrix. - Seller-02/20/2025 | Resolved-Received the Lease Agreement with first month rent and deposit. Audited LTV of 80% is less than or equal to Guideline HLTV of 80% - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 780<br>Months Reserves exceed minimum required - Min reserve requirement is 3, borrower has 24.73 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3440384 |
| XXXX | 523161 | XXXX C A | Closed | FCRE1194 | 2025-02-18 13:24 | 2025-02-21 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received the Lease Agreement with first month rent and deposit. Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Please note per the XXXX DSCR guidelines, section 3.1 "In the event, that the property is not tenant occupied, the purchaser may bring in their own tenant and use the new lease to qualify up to 120% higher than the 1007/1025 market rent. Must document security deposit and first month's rent before loan closing.". The loan file contained the attached new lease agreement and evidence of the deposit of the first month rent and damage deposit. As such the qualifying rent amount of XXXX was used resulting in a DSCR >1. The LTV/CLTV/HCLTV of 80% was in accordance with the max allowed per the matrix. - Seller-02/20/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% DSCR < 1 : Max 75% LTV - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please note per the XXXX DSCR guidelines, section 3.1 "In the event, that the property is not tenant occupied, the purchaser may bring in their own tenant and use the new lease to qualify up to 120% higher than the 1007/1025 market rent. Must document security deposit and first month's rent before loan closing.". The loan file contained the attached new lease agreement and evidence of the deposit of the first month rent and damage deposit. As such the qualifying rent amount of XXXX was used resulting in a DSCR >1. The LTV/CLTV/HCLTV of 80% was in accordance with the max allowed per the matrix. - Seller-02/20/2025 | Resolved-Received the Lease Agreement with first month rent and deposit. Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 780<br>Months Reserves exceed minimum required - Min reserve requirement is 3, borrower has 24.73 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3440385 |
| XXXX | 523421 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 523475 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 523560 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 524198 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 525056 | XXXX C B A | Closed | FCRE0970 | 2025-02-20 13:51 | 2025-02-20 14:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/20/2025 <br> Open-Per guides, a transferred appraisal report is acceptable provided the report meets the HEM's appraisal requirements for independence. Additionally, the appraisal must be ordered through an Appraisal<br> Management Company (AMC) that complies with Appraiser Independence Requirements (AIR). The appraisal in file was transferred from the broker to the lender; however, the transfer letter and AIR Certification were both missing from the loan file. - Due Diligence Vendor-02/20/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/20/2025<br>| Months Reserves exceed minimum required - 58.34 months of PITIA reserves, 6 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 778 qualifying FICO score, 680 minimum score required.<br>Qualifying DTI below maximum allowed - 19.89% DTI ratio, 43% maximum allowed. | DTI ratio less than 43%<br> FICO greater than 10 points above requirement. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3456073 |
| XXXX | 526940 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 527664 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 527665 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 530104 | XXXX D A | Closed | FCRE7497 | 2025-02-26 11:15 | 2025-03-04 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received qualifying proposed PITIA as loan is in progress. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. 1. The loan for property for REO 3E of the 1003 - new purchase - La Playa Way has not closed. Technically borrower does not own the property currently. We do not have hoi or tax cert yet, the payment was estimated. Uploaded snippets from that unclosed loan file of the loan information, title, and proposed payment.<br>2. For XXXX The mortgage statement was in file and shows they escrow the insurance only, uploaded tax bill & mortgage statement. - Seller-03/03/2025 <br> Counter-For clarification: 1. Missing verification of mortgage, taxes, insurance, and/or HOA fees for non-subject property for REO 3E of the 1003 - new purchase-XXXX. HOI for XXXX primary residence - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. Uploaded XXXX printout confirming no HOA for non-subject property 3E. Please confirm the property address that is missing the HOI - XXXX - Seller-02/27/2025 <br> Open-1. Missing verification of mortgage, taxes, insurance, and/or HOA fees for non-subject property for REO 3E of the 1003 - new purchase <br> 2. Missing HOI for primary home<br>- Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. 1. The loan for property for REO XXXX of the 1003 - new purchase - XXXX has not closed. Technically borrower does not own the property currently. We do not have hoi or tax cert yet, the payment was estimated. Uploaded snippets from that unclosed loan file of the loan information, title, and proposed payment.<br>2. For XXXX The mortgage statement was in file and shows they escrow the insurance only, uploaded tax bill & mortgage statement. - Seller-03/03/2025 <br> Ready for Review-Document Uploaded. Uploaded Zillow printout confirming no HOA for non-subject property XXXX. Please confirm the property address that is missing the HOI - XXXX - Seller-02/27/2025 | Resolved-Received qualifying proposed PITIA as loan is in progress. - Due Diligence Vendor-03/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 756 is 20+ points above 720 minimum<br>Months Reserves exceed minimum required - 32 months reserves exceed 12 month minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3484624 |
| XXXX | 531125 | XXXX D A | Closed | FCRE1325 | 2025-02-26 14:12 | 2025-03-04 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Guidelines allow the operating agreement as proof of at least 25% ownership. - Due Diligence Vendor-03/04/2025 <br>Counter-Received letter and LLC Agreement-missing acceptable 3rd party verification. - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. These were included in original upload - Seller-02/28/2025 <br>Open-Borrower 1 CPA Letter Missing Provide the CPA letter only a the LLC Operating agreement with ownership percentage - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. These were included in original upload - Seller-02/28/2025<br>| Resolved-Guidelines allow the operating agreement as proof of at least 25% ownership. - Due Diligence Vendor-03/04/2025<br>| Months Reserves exceed minimum required - 13.25 months reserves exceed required 6 by 7.25 months.<br>LTV is less than guideline maximum - LTV 85% is lower than maximum 90% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3486854 |
| XXXX | 532440 | XXXX C A | Closed | FCRE0008 | 2025-02-28 10:58 | 2025-03-03 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Per XXXX PPP listed as NA is not an issue. - Due Diligence Vendor-02/28/2025 <br> Open-Note shows 5 year PPP, tape snows PPP as N/A - Due Diligence Vendor-02/28/2025 |  | Resolved-Per XXX PPP listed as NA is not an issue. - Due Diligence Vendor-02/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 769 and minimum allowed is 700<br>Months Reserves exceed minimum required - Reserves =23 months and minimum required is 6 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3501883 |
| XXXX | 532443 | XXXX B A | Closed | FCOM5135 | 2025-02-27 10:29 | 2025-02-27 10:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 745 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 29.16% and max allowed is 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3492131 |
| XXXX | 533777 | XXXX D A C | Closed | FCRE0700 | 2025-02-28 09:51 | 2025-03-07 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement. - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. - Seller-03/05/2025 <br>Counter-Received duplicate Master Estimated Settlement Statement-please provide final settlement statement or CD. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. - Seller-03/03/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. MISSING FINAL CD - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025 <br>Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Received final settlement statement. - Due Diligence Vendor-03/07/2025<br>| Months Reserves exceed minimum required - 18.73 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793; minimum score 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3500957 |
| XXXX | 533777 | XXXX D A C | Closed | FPRO0012 | 2025-03-03 09:14 | 2025-03-07 10:00 | Resolved | 1 - Information B A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> XXXX<br> XXXX<br> XXXX<br> Incident Period: XXXX.<br>- Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/07/2025 | Months Reserves exceed minimum required - 18.73 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793; minimum score 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3511333 |
| XXXX | 533777 | XXXX D A C | Closed | FPRO0011 | 2025-03-03 09:14 | 2025-03-07 10:00 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Counter-Received note PDI to be ordered. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Hello will you be ordering the PDI for this file thank you :) - Seller-03/03/2025 <br> Open-XXXX<br> XXXX<br> XXXX<br> Incident Period: XXXX.<br>- Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025 <br>Ready for Review-Hello will you be ordering the PDI for this file thank you :) - Seller-03/03/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/07/2025 | Months Reserves exceed minimum required - 18.73 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793; minimum score 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3511326 |
| XXXX | 533779 | XXXX C B A | Closed | FCRE1437 | 2025-03-03 10:33 | 2025-03-03 12:54 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/03/2025 <br>Open-Income and Employment Do Not Meet Guidelines Client provided an Exception to allow full proposed rental income , applied to non material finding with reviewed comp factors - Due Diligence Vendor-03/03/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/03/2025<br>| LTV is less than guideline maximum - LTV is 75% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 789 and minimum required is 660. | -LTV is 75% and max allowed is 85%<br> - Score is 789 and minimum required is 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3512273 |
| XXXX | 533779 | XXXX C B A | Closed | FCRE8201 | 2025-03-03 11:03 | 2025-03-03 12:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/03/2025 <br>Open-Client provided an Exception for FTHB purchasing an investment property (not allowed on the plus program,only primary residence) , applied to non material finding with comp factors. - Due Diligence Vendor-03/03/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/03/2025<br>| LTV is less than guideline maximum - LTV is 75% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 789 and minimum required is 660. | -LTV is 75% and max allowed is 85%<br> - Score is 789 and minimum required is 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3512631 |
| XXXX | 533779 | XXXX C B A | Closed | FCRE1198 | 2025-03-03 12:49 | 2025-03-03 12:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/03/2025 <br> Open-Lender Exception on file in regards to the HOA Reserves not meeting XXXX 10% requirement - Due Diligence Vendor-03/03/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/03/2025<br>| LTV is less than guideline maximum - LTV is 75% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 789 and minimum required is 660. | FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3514161 |
| XXXX | 533780 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 533781 | XXXX C B A | Closed | FCRE1198 | 2025-03-03 11:18 | 2025-07-11 08:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reduced reserves, applied to non material finding with comp factors. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Exception uploaded - Seller-03/07/2025 <br>Open-Audited Reserves of 3.42 month(s) are less than Guideline Required Reserves of 6 month(s) Borrower short reserves. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Exception uploaded - Seller-03/07/2025<br>| Waived-Originator provided a waiver for reduced reserves, applied to non material finding with comp factors. - Due Diligence Vendor-07/11/2025<br>| Verified employment history exceeds guidelines - Employment over 2 years 4 months. per guides requires 2 years employment history.<br>Qualifying DTI below maximum allowed - DTI 24.08%; max DTI 45%. | DTI more than 10 points below maximum, Fico 10 points > than required minimum; 24 months bank statements to support qualifying income. | 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 | Yes | 3512749 |
| XXXX | 533781 | XXXX C B A | Closed | FCRE1440 | 2025-03-03 11:00 | 2025-03-05 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Confirmed check on XXXX statement for XXXX is rent. - Due Diligence Vendor-03/05/2025 <br> Counter-Received duplicate credit supplement reflecting only 11 months-covering XXXX. Provide complete 12 month VOR. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Already included in original upload. Credit supplement included 11 months, however complete XXXX statements were also provided. Covering the complete 12 months. - Seller-03/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR for previous address. the VOR provided only covers 11 months. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Already included in original upload. Credit supplement included 11 months, however complete XXXX and XXXX statements were also provided. Covering the complete 12 months. - Seller-03/04/2025 | Resolved-Confirmed check on XXXX statement for XXXX is rent. - Due Diligence Vendor-03/05/2025 | Verified employment history exceeds guidelines - Employment over 2 years 4 months. per guides requires 2 years employment history.<br>Qualifying DTI below maximum allowed - DTI 24.08%; max DTI 45%. |  | 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 | 3512604 |
| XXXX | 533781 | XXXX C B A | Closed | FCOM5135 | 2025-02-28 09:30 | 2025-02-28 10:00 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/28/2025<br>| Verified employment history exceeds guidelines - Employment over 2 years 4 months. per guides requires 2 years employment history.<br>Qualifying DTI below maximum allowed - DTI 24.08%; max DTI 45%. |  |  | 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 | 3500756 |
| XXXX | 533781 | XXXX C B A | Closed | FCOM1301 | 2025-02-28 09:30 | 2025-02-28 09:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/28/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/28/2025<br>| Verified employment history exceeds guidelines - Employment over 2 years 4 months. per guides requires 2 years employment history.<br>Qualifying DTI below maximum allowed - DTI 24.08%; max DTI 45%. |  |  | 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 | 3500755 |
| XXXX | 535474 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 536648 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 536649 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 537967 | XXXX C B A | Closed | FCRE1198 | 2025-03-06 14:27 | 2025-03-18 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided VOD, bank receipts and Proof of wire. Updated system to reflect- condition is resolved - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. updated 1003, 1008 & VOD uploaded - Seller-03/14/2025 <br> Counter-Statement in file is from XXXX. Bank Statement in file is from XXXX. Finding remains. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. 6 months Reserves XXXX, bank statement from XXXX already included in original upload. Reuploaded - Seller-03/10/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Missing current bank statement. Bank statement provided is from XXXX - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. updated 1003, 1008 & VOD uploaded - Seller-03/14/2025 <br> Ready for Review-Document Uploaded. 6 months Reserves XXXX, bank statement from January already included in original upload. Reuploaded - Seller-03/10/2025 | Resolved-Client provided VOD, bank receipts and Proof of wire. Updated system to reflect- condition is resolved - Due Diligence Vendor-03/18/2025<br>| Qualifying DTI below maximum allowed - 38.16% DTI is below maximum of 50%<br>Verified employment history exceeds guidelines - Long time employment of 15 years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3548205 |
| XXXX | 537967 | XXXX C B A | Closed | FCRE1199 | 2025-03-07 14:01 | 2025-03-18 10:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Received Post Closing Settlement Statement. R/T. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Final SS & PCCD uploaded. Only delinquent taxes cannot be paid with proceeds, the delinquent amount is XXXX, the other amount of XXXX is due and delinquent in April. Borrower brought in too much funds and ok to get back. - Seller-03/11/2025 <br> Ready for Review-Document Uploaded. Borrower brought in XXXX of own funds for delinquent taxes - Seller-03/10/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX. Borrower came to closing with less money than what was required to payoff taxes. Therefore, some of the loan proceeds were used to payoff taxes, making this transaction a cash-out refinance. Max loan amount for a cash-out with current credit score is XXXX. No exception found in the file - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. Final SS & PCCD uploaded. Only delinquent taxes cannot be paid with proceeds, the delinquent amount is XXXX, the other amount of XXXX is due and delinquent in April. Borrower brought in too much funds and ok to get back. - Seller-03/11/2025 <br> Ready for Review-Document Uploaded. Borrower brought in XXXX of own funds for delinquent taxes - Seller-03/10/2025 | Resolved-Received Post Closing Settlement Statement. R/T. - Due Diligence Vendor-03/12/2025<br>| Qualifying DTI below maximum allowed - 38.16% DTI is below maximum of 50%<br>Verified employment history exceeds guidelines - Long time employment of 15 years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3558476 |
| XXXX | 537967 | XXXX C B A | Closed | FCRE9501 | 2025-03-06 14:20 | 2025-03-18 10:53 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than XXXX. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. updated 1003, 1008 & VOD uploaded - Seller-03/14/2025 <br> Counter-Statement in file is from XXXX. Bank Statement in file is from XXXX. Finding remains. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Bank statement included in original upload, reuploaded - Seller-03/10/2025 <br> Open-Total Qualified Assets Post-Close amount is '$XXXX'. Assets are Insufficient. Missing current bank statement. Bank statement provided is from XXXX - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. updated 1003, 1008 & VOD uploaded - Seller-03/14/2025 <br>Ready for Review-Document Uploaded. Bank statement included in original upload, reuploaded - Seller-03/10/2025<br>| Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-03/18/2025 | Qualifying DTI below maximum allowed - 38.16% DTI is below maximum of 50%<br>Verified employment history exceeds guidelines - Long time employment of 15 years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3548102 |
| XXXX | 537967 | XXXX C B A | Closed | FCOM5135 | 2025-03-05 11:33 | 2025-03-05 11:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2025<br>| Qualifying DTI below maximum allowed - 38.16% DTI is below maximum of 50%<br>Verified employment history exceeds guidelines - Long time employment of 15 years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 3533121 |
| XXXX | 537972 | XXXX D B A | Closed | FCRE8201 | 2025-03-10 09:08 | 2025-04-11 09:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator waiver applied to non material finding with compensating factors - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Uploaded signed corrected note, signed as individual. Please clear - Seller-04/09/2025 <br> Counter-We can waive this finding, however it will remain a C Grade as the Note is not signed as an individual. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-XXXX accepts the B Grade, please waive. - Seller-03/13/2025 <br> Counter-Received exception to close in vested entity/primary residence. \*New for exception \* --Note must be signed as individual. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Uploaded PC Exception approval form - Seller-03/12/2025 <br> Counter-1.3.6.2 states Investment transactions only, and subject is a Primary Residence. Finding Remains. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Per guidelines section 1.3.6.2, vesting in an LLC/entity is allowed for XXXX loans. "Loans vested in an entity are eligible under the following programs: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX" - Please clear. - Seller-03/10/2025 <br> Open-Primary home vested in LLC not allowed by guidelines for consumer purpose loans. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Uploaded signed corrected note, signed as individual. Please clear - Seller-04/09/2025 <br> Ready for Review-XXXX accepts the B Grade, please waive. - Seller-03/13/2025 <br> Ready for Review-Document Uploaded. Uploaded PC Exception approval form - Seller-03/12/2025 <br> Ready for Review-Per guidelines section 1.3.6.2, vesting in an LLC/entity is allowed for NON-QHEM Plus loans. "Loans vested in an entity are eligible under the following programs: XXXX" - Please clear. - Seller-03/10/2025 | Waived-Originator waiver applied to non material finding with compensating factors - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - 27 months reserves exceed 6 month minimum<br>Verified employment history exceeds guidelines - Verified employment for 9 years | Credit score is > 10 points above minimum for tier<br> long term self-employment.<br> 741 fico score<br> 20 months of reserves. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3567780 |
| XXXX | 537972 | XXXX D B A | Closed | FCRE3653 | 2025-03-07 13:42 | 2025-03-13 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received supporting documentation regarding REO multiple address. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Uploaded property profile reflecting property is a XXXX unit multifamily residence. XXXX. Please clear. - Seller-03/13/2025 <br> Counter-Final 1003 reflects address for XXXX-LOE clarification required or supporting documentation confirming address. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Per our underwriter, the property is located on a XXXX lot so it is only one property. Not two. - Seller-03/11/2025 <br> Open-Missing explanation/documentation for property XXXX, is this the same property? - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. Uploaded property profile reflecting property is a XXXX unit multifamily residence. XXXX. Please clear. - Seller-03/13/2025 <br> Ready for Review-Per our underwriter, the property is located on a XXXX lot so it is only one property. Not two. - Seller-03/11/2025 | Resolved-Received supporting documentation regarding REO multiple address. - Due Diligence Vendor-03/13/2025<br>| Months Reserves exceed minimum required - 27 months reserves exceed 6 month minimum<br>Verified employment history exceeds guidelines - Verified employment for 9 years |  | 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 | 3558167 |
| XXXX | 538996 | XXXX D A | Closed | FCRE1152 | 2025-03-11 08:52 | 2025-03-25 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received lenders property tax calculation. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Uploaded 1008 with UW comments regarding tax calculation - Seller-03/21/2025 <br> Counter-Current taxes for XXXX provided, however we are missing the tax calculation used for qualification. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. Tax cert was provided in original loan file submission package, see page 406. Uploaded again as well. - Seller-03/14/2025 <br> Counter-Received revised 1003 and 1008 using current taxes, however subject is a purchase transaction. Please provide documentation to support the tax calculation. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/13/2025 <br> Open-Missing Evidence of Property Tax to match taxes per Final 1003 - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Uploaded 1008 with UW comments regarding tax calculation - Seller-03/21/2025 <br>Ready for Review-Document Uploaded. Tax cert was provided in original loan file submission package, see page 406. Uploaded again as well. - Seller-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-Received lenders property tax calculation. - Due Diligence Vendor-03/25/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 812 FICO score is 20+ points above 660 minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3579203 |
| XXXX | 538996 | XXXX D A | Closed | FCRE1206 | 2025-03-10 09:21 | 2025-03-12 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report with cleared alerts for the Borrower and Closer. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please see page 1 of uploaded XXXX report (highlighted Participant Detail Report section) - Underwriter cleared XXXX hit for Borrower XXXX. Please clear - Seller-03/11/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing XXXX for borrower and closer - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Please see page 1 of uploaded XXXX report (highlighted Participant Detail Report section) - Underwriter cleared XXXX hit for Borrower XXXX. Please clear - Seller-03/11/2025 | Resolved-Received Fraud report with cleared alerts for the Borrower and Closer. - Due Diligence Vendor-03/12/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 812 FICO score is 20+ points above 660 minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3567923 |
| XXXX | 538998 | XXXX D A | Closed | FCRE6696 | 2025-03-10 14:27 | 2025-03-18 12:15 | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Resolved-Upon further review, the CPA verified 2 year minimum self employment requirement has been met. - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. Attached the cpa letter stating borrower has been self – employed for 2 years - Seller-03/14/2025 <br>Counter-Please provide the approved exception for < 2 years in business. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-The document is a P&L which is what we would use and the bank statements follow it. - Seller-03/11/2025 <br>Open-1008 comments reference an exception, but no exception was found - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Attached the cpa letter stating borrower has been self – employed for 2 years - Seller-03/14/2025 <br>Ready for Review-The document is a P&L which is what we would use and the bank statements follow it. - Seller-03/11/2025<br>| Resolved-Upon further review, the CPA verified 2 year minimum self employment requirement has been met. - Due Diligence Vendor-03/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 751 qualifying FICO score, 700 minimum score required.<br>Months Reserves exceed minimum required - Borrower has 104.86 months of verified PITIA reserves, prior to any cashout proceeds from the subject transaction, 6 months minimum reserves required. |  | 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 | 3572810 |
| XXXX | 538998 | XXXX D A | Closed | FCRE7806 | 2025-03-10 15:01 | 2025-03-18 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. Uploaded income worksheet. - Seller-03/14/2025 <br>Counter-Please provide the UW income calculation. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. The document is a P&L which is what we would use and the bank statements follow it. - Seller-03/11/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Uploaded income worksheet. - Seller-03/14/2025 <br>Ready for Review-Document Uploaded. The document is a P&L which is what we would use and the bank statements follow it. - Seller-03/11/2025<br>| Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-03/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 751 qualifying FICO score, 700 minimum score required.<br>Months Reserves exceed minimum required - Borrower has 104.86 months of verified PITIA reserves, prior to any cashout proceeds from the subject transaction, 6 months minimum reserves required. |  | 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 | 3573336 |
| XXXX | 538998 | XXXX D A | Closed | FCRE1317 | 2025-03-10 15:09 | 2025-03-18 12:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received revised 1003. - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. Uploaded updated 1003. - Seller-03/14/2025 <br>Counter-Please provide an updated 1003 disclosing a minimum of 2 years employment history. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-The document is a P&L which is what we would use and the bank statements follow it. - Seller-03/11/2025 <br>Open-1003 does not show a full 2 year employment history - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Uploaded updated 1003. - Seller-03/14/2025 <br>Ready for Review-The document is a P&L which is what we would use and the bank statements follow it. - Seller-03/11/2025<br>| Resolved-Received revised 1003. - Due Diligence Vendor-03/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 751 qualifying FICO score, 700 minimum score required.<br>Months Reserves exceed minimum required - Borrower has 104.86 months of verified PITIA reserves, prior to any cashout proceeds from the subject transaction, 6 months minimum reserves required. |  | 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 | 3573488 |
| XXXX | 540549 | XXXX B A | Closed | FVAL9739 | 2025-03-10 11:12 | 2025-03-11 14:01 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception to use XXXX in lieu of 1007. Loan exception request/approval on file. <br> Originator Waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-03/11/2025 <br> Open-Exception to use XXXX in lieu of 1007<br> Loan exception request/approval on file. - Due Diligence Vendor-03/10/2025 |  | Waived-Exception to use XXXX in lieu of 1007. Loan exception request/approval on file. <br> Originator Waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-03/11/2025 | Months Reserves exceed minimum required - 14 months reserves exceed 0 minimum required<br>Additional assets not used to qualify - Additional asset of $414661 not used to qualify | Post closing reserves > 12 months<br> Experienced Investor |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | N/A | 3569512 |
| XXXX | 540550 | XXXX D A | Closed | FCRE1325 | 2025-03-10 13:32 | 2025-03-14 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA Letter. - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/12/2025 <br>Open-Borrower 1 CPA Letter Missing File contains CPA verification from account manager that confirms CPA has verified 2 years of self employment and 100% ownership of business. Guidelines also require the following: The preparer must attest they have reviewed or prepared all of the borrower's financials, including the tax returns, for the period of the P&L. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Received CPA Letter. - Due Diligence Vendor-03/14/2025<br>| LTV is less than guideline maximum - 73.14% LTV is less than 80% guideline maximum<br>Qualifying DTI below maximum allowed - 28.83% DTI is below 50% maximum allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3571983 |
| XXXX | 543944 | XXXX D A | Closed | FCRE8887 | 2025-03-12 10:47 | 2025-03-14 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised Final 1003. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. Uploaded revised Final 1003 reflecting b2 start date of employment - Seller-03/13/2025 <br> Counter-Please provide corrected final 1003 reflecting Start Date of employment. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Per CPA letter & VVOE in file, borrower 2 is self employed & 100% owner of XXXX since XXXX. "Check if you are the Business Owner or Self-Employed" section is also checked on Final 1003. Please clear. - Seller-03/12/2025 <br> Open-Missing dates of employment for B2 - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Uploaded revised Final 1003 reflecting b2 start date of employment - Seller-03/13/2025 <br> Ready for Review-Per CPA letter & VVOE in file, borrower 2 is self employed & 100% owner of XXXX since XXXX. "Check if you are the Business Owner or Self-Employed" section is also checked on Final 1003. Please clear. - Seller-03/12/2025 | Resolved-Received revised Final 1003. - Due Diligence Vendor-03/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 799 > 700 min<br>Qualifying DTI below maximum allowed - 22.62% DTI is below 43% maximum allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3591144 |
| XXXX | 543946 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 544928 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 547206 | XXXX C A | Closed | finding-3526 | 2025-03-13 16:00 | 2025-03-21 09:56 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Rec'd proof of borrower's acknowledgment of LEs issued XXXX. Finding Resolved. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Uploaded proof of receipt of XXXX LE & wet signed XXXX LE. - Seller-03/20/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ---- XXXX are not signed and there is no disclosure tracking in file to confirm when borrower received them. Please provide proof of delivery. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Uploaded proof of receipt of XXXX. - Seller-03/20/2025 | Resolved-Rec'd proof of borrower's acknowledgment of LEs issued XXXX. Finding Resolved. - Due Diligence Vendor-03/21/2025 | Months Reserves exceed minimum required - 14 month reserves exceed 6 month minimum required<br>LTV is less than guideline maximum - 80% LTV is less than 90% guideline maximum |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3607384 |
| XXXX | 552706 | XXXX C A | Closed | FCRE1159 | 2025-03-21 11:27 | 2025-03-25 10:23 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received previous HOI policy. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Uploaded previous HOI. - Seller-03/24/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Funded XXXX - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Uploaded previous HOI. - Seller-03/24/2025<br>| Resolved-Received previous HOI policy. - Due Diligence Vendor-03/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 648 > 620 min<br>Months Reserves exceed minimum required - 7 months > 3 months |  | 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 | 3668533 |
| XXXX | 552712 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 554320 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 555285 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 563741 | XXXX D B A | Closed | FCOM5135 | 2025-03-31 18:24 | 2025-07-14 12:39 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/14/2025<br>| LTV is less than guideline maximum - Maximum LTV allowed 85%, subject 16.19%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required Fico 660, subject 730 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3735677 |
| XXXX | 563741 | XXXX D B A | Closed | finding-47 | 2025-03-31 18:47 | 2025-04-07 10:40 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement XXXX. Finding resolved. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded - Seller-04/04/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. PCCD uploaded - Seller-04/04/2025<br>| Resolved-Received XXXX, disbursement XXXX. Finding resolved. - Due Diligence Vendor-04/07/2025 | LTV is less than guideline maximum - Maximum LTV allowed 85%, subject 16.19%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required Fico 660, subject 730 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3735769 |
| XXXX | 566317 | XXXX D B A | Closed | FCRE1316 | 2025-04-03 09:26 | 2025-04-08 07:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter provided. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. UW advised that the 2 months business banks statements are not required per guidelines. Borrower co mingles business and personal in one account. CPA letter was included in the original upload, along with license. I've gone ahead and reuploaded them. - Seller-04/07/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Per the applicable guidelines the business needs to be verified as having been open for 24 months. No evidence of the length of time the business has been open was identified in the file. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. UW advised that the 2 months business banks statements are not required per guidelines. Borrower co mingles business and personal in one account. CPA letter was included in the original upload, along with license. I've gone ahead and reuploaded them. - Seller-04/07/2025<br>| Resolved-CPA letter provided. - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required fico 620, subject 640 <br>Months Reserves exceed minimum required - No reserves required, subject 5.74 months. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3768347 |
| XXXX | 566317 | XXXX D B A | Closed | FCRE1506 | 2025-04-03 17:42 | 2025-04-08 07:46 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. UW advised that the 2 months business banks statements are not required per guidelines. Borrower co mingles business and personal in one account. CPA letter was included in the original upload, along with license. I've gone ahead and reuploaded them. - Seller-04/07/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income finding - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. UW advised that the 2 months business banks statements are not required per guidelines. Borrower co mingles business and personal in one account. CPA letter was included in the original upload, along with license. I've gone ahead and reuploaded them. - Seller-04/07/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required fico 620, subject 640 <br>Months Reserves exceed minimum required - No reserves required, subject 5.74 months. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3779039 |
| XXXX | 566317 | XXXX D B A | Closed | FCRE1342 | 2025-04-03 17:37 | 2025-04-08 07:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-2 months of business bank statements not required for co-mingled accounts. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Per UW The 2 months business banks statements are not required per guidelines. Borrower co mingles business and personal in one account. CPA letter was included in original upload, along with license, reuploaded. - Seller-04/07/2025 <br>Counter-Received duplicate documentation-confirm if 1.7.62.1 Personal Bank Statement Review or 1.7.6.2.2 Business and Co Mingled Bank statement review completed. 1008 received notes TBD with missing documentation. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. 12 months included in original upload, reuploaded - Seller-04/04/2025 <br>Open-Missing 2 mo's business bankstatements to support personal bankstatements. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Per UW The 2 months business banks statements are not required per guidelines. Borrower co mingles business and personal in one account. CPA letter was included in original upload, along with license, reuploaded. - Seller-04/07/2025 <br>Ready for Review-Document Uploaded. 12 months included in original upload, reuploaded - Seller-04/04/2025<br>| Resolved-2 months of business bank statements not required for co-mingled accounts. - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required fico 620, subject 640 <br>Months Reserves exceed minimum required - No reserves required, subject 5.74 months. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3778996 |
| XXXX | 566317 | XXXX D B A | Closed | FCOM5135 | 2025-04-02 12:15 | 2025-04-02 12:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required fico 620, subject 640 <br>Months Reserves exceed minimum required - No reserves required, subject 5.74 months. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3752841 |

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## Exhibit 99.14

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.14**

---

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| **Loan ID** | **Redaction 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 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** | **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 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)** | **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 | 424945 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/23/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | $7477.10 | No |  | $15297.00 | $1274.75 | $6915.24 | $576.27 | $0.00 | $0.00 | $0.00 | $9328.12 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.335 | 1.334 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 07/10/2024 | 07/10/2024 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 191386.23 | 20.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 478149 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/26/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $1438.06 | No |  | $7578.12 | $631.51 | $1281.12 | $106.76 | $4341.96 | $361.83 | $0.00 | $2538.16 |  | N/A | XXXX | XXXX | $361.83 | 01/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.005 | 1.005 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18241.47 | 7.2 | 18241.47 | 7.2 | No | 68.82 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 478827 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $3411.94 | Yes | 35.000% | $11526.24 | $960.52 | $842.28 | $70.19 | $0.00 | $0.00 | $0.00 | $4442.65 | $172860.29 | N/A |  |  | $0.00 |  |  | 0.00% | 16.02% | 16.02% | 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 |  |  |  | 102.47% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Primary Residence Rent Income, 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) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/28/2024 | 08/28/2024 |  |  |  | 797 |  |  |  |  |  |  |  |  | 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 | 505171.83 | 113.7 | 974719.90 | 219.4 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 484238 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $1520.47 | No |  | $2618.28 | $218.19 | $1653.96 | $137.83 | $180.00 | $15.00 | $0.00 | $1891.49 |  | N/A | XXXX | XXXX | $15.00 | 02/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.004 | 1 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/23/2024 | 10/23/2024 |  |  |  | 715 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 38360.10 | 20.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 489092 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/30/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $10616.90 | Yes | 35.000% | $25625.04 | $2135.42 | $4161.00 | $346.75 | $0.00 | $0.00 | $0.00 | $13099.07 | $2159272.63 | N/A |  |  | $0.00 |  |  | 0.00% | 4.52% | 4.52% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, 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), 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) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023, 2022 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023, 2022 | XXXX | XXXX | XX | XXXX | XXXX | 09/24/2024 | 09/24/2024 |  |  |  | 758 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 729395.77 | 55.7 | No | 73.17 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 489099 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 30175 | 12/09/2024 | 6.690% |  |  | No | 7.314% |  | 6.990% |  | $9537.46 | No |  | $26038.08 | $2169.84 | $6189.96 | $515.83 | $0.00 | $0.00 | $0.00 | $12223.13 | $41462.97 | N/A |  |  | $0.00 |  |  | 0.00% | 33.27% | 33.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/14/2024 | 11/14/2024 |  |  |  | 756 |  |  |  |  |  |  |  |  | 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 | 535887.35 | 43.8 | 535887.35 | 43.8 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 490284 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/26/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $2014.42 | Yes | 35.000% | $10928.64 | $910.72 | $2009.40 | $167.45 | $1784.04 | $148.67 | $0.00 | $3241.26 |  | N/A | XXXX | XXXX | $148.67 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.018 | 1.01 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/11/2024 | 12/11/2024 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 280106.87 | 86.4 | No | 64.86 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 490348 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/07/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $10616.90 | No |  | $25625.04 | $2135.42 | $4161.00 | $346.75 | $0.00 | $0.00 | $0.00 | $13099.07 | $2159272.63 | N/A |  |  | $0.00 |  |  | 0.00% | 4.52% | 4.52% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, 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), 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) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023, 2022 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023, 2022 | XXXX | XXXX | XX | XXXX | XXXX | 09/24/2024 | 09/24/2024 |  |  |  | 758 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 689687.17 | 52.7 | No | 73.17 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 491238 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/30/2024 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $2097.64 | No |  | $6531.24 | $544.27 | $1019.04 | $84.92 | $4320.00 | $360.00 | $0.00 | $3086.83 |  | Yes | XXXX | XXXX | $360.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.622 | 0.61 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/21/2024 | 10/21/2024 |  |  |  | 683 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 41802.14 | 13.5 | No | 54.55 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 504875 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/11/2024 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $1672.16 | No |  | $2948.76 | $245.73 | $1235.04 | $102.92 | $0.00 | $0.00 | $0.00 | $2020.81 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.98 | 0.979 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/03/2025 | 01/03/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72686.12 | 36 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 510260 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/21/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $4114.05 | No |  | $5822.40 | $485.20 | $2160.00 | $180.00 | $0.00 | $0.00 | $0.00 | $4779.25 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.459 | 1.48 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/08/2025 | 01/08/2025 |  |  |  | 801 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 118038.31 | 24.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 512532 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/26/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 22618.7 | 01/13/2025 | 6.980% |  |  | No | 9.999% |  | 9.750% |  | $4252.81 | No |  | $8481.12 | $706.76 | $4496.16 | $374.68 | $0.00 | $0.00 | $0.00 | $5334.25 | $9236.29 | N/A |  |  | $0.00 |  |  | 0.00% | 44.84% | 44.84% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 1 YR IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 01/10/2025 | 01/10/2025 | 01/10/2025 |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15461.41 | 2.9 | 15461.41 | 2.9 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 513691 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/03/2024 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.000% |  | $3162.50 | No |  | $3848.64 | $320.72 | $854.04 | $71.17 | $0.00 | $0.00 | $0.00 | $3554.39 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.039 | 1.03 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/09/2025 | 01/09/2025 |  |  |  | 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 | 380582.70 | 107.1 | 380582.70 | 107.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 514537 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/03/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | $10851.98 | No |  | $10115.76 | $842.98 | $3675.96 | $306.33 | $0.00 | $0.00 | $0.00 | $12001.29 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1 | 1 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 | 11/26/2024 |  |  | 791 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 161351.77 | 13.4 | No | 69 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 517571 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/21/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12336.73 | 01/20/2025 | 7.070% |  |  | No | 9.516% |  | 9.125% |  | $3630.84 | No |  | $7437.48 | $619.79 | $1803.96 | $150.33 | $4200.00 | $350.00 | $0.00 | $4750.96 | $8282.14 | Yes | XXXX | XXXX | $350.00 | 03/01/2025 | Monthly | 0.00% | 41.11% | 41.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 12/27/2024 | 12/27/2024 |  |  |  | 664 |  |  |  |  |  |  |  |  | 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 | 25583.82 | 5.4 | 25583.82 | 5.4 | No | 75 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 518076 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/21/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | $6003.09 | No |  | $4502.64 | $375.22 | $2856.00 | $238.00 | $1500.00 | $125.00 | $0.00 | $6741.31 |  | N/A | XXXX | XXXX | $125.00 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.92 | 0.92 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/10/2025 | 01/10/2025 |  |  |  | 673 |  |  |  |  |  |  |  |  | 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 | 34906.17 | 5.2 | 34906.17 | 5.2 | No | 59.89 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 518605 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/24/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8487.51 | 01/13/2025 | 6.980% |  |  | No | 10.289% |  | 9.750% |  | $2008.27 | No |  | $2760.72 | $230.06 | $2520.00 | $210.00 | $0.00 | $0.00 | $0.00 | $2448.33 | $7858.43 | N/A |  |  | $0.00 |  |  | 0.00% | 34.72% | 34.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 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 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/24/2025 | 01/24/2025 |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25857.04 | 10.6 | 25857.04 | 10.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 519398 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/18/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5975 | 01/13/2025 | 6.980% |  |  | No | 9.768% |  | 9.250% |  | $1480.82 | No |  | $2499.96 | $208.33 | $1259.04 | $104.92 | $0.00 | $0.00 | $0.00 | $1794.07 | $2712.35 | N/A |  |  | $0.00 |  |  | 0.00% | 40.67% | 40.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 12/31/2024 | 12/31/2024 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14462.92 | 8.1 | 14462.92 | 8.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 521579 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/21/2025 | 3 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $6139.59 | No |  | $14655.24 | $1221.27 | $1245.84 | $103.82 | $0.00 | $0.00 | $0.00 | $7464.68 | $156092.73 | N/A |  |  | $0.00 |  |  | 0.00% | 23.31% | 23.31% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/26/2024 | 12/26/2024 | 12/26/2024 |  |  | 776 |  |  |  |  |  |  |  |  | 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 | 70038.51 | 9.4 | 70038.51 | 9.4 | No | 60 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 522118 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/21/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $3586.37 | No |  | $10716.84 | $893.07 | $848.04 | $70.67 | $1896.00 | $158.00 | $0.00 | $4708.11 |  | N/A | XXXX | XXXX | $158.00 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.791 | 0.79 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/14/2025 | 01/14/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1254.53 | 0.3 | 1254.53 | 0.3 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 522602 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/21/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 28355 | 02/03/2025 | 6.920% |  |  | No | 7.765% |  | 7.750% |  | $9628.58 | No |  | $21000.00 | $1750.00 | $3782.04 | $315.17 | $0.00 | $0.00 | $0.00 | $11693.75 | $17996.25 | N/A |  |  | $0.00 |  |  | 0.00% | 43.28% | 43.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 12/24/2024 | 12/24/2024 |  |  |  | 746 |  |  |  |  |  |  |  |  | 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 | 77774.12 | 6.7 | 77774.12 | 6.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 523161 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/21/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $1564.71 | No |  | $4802.76 | $400.23 | $1243.08 | $103.59 | $360.00 | $30.00 | $0.00 | $2098.53 |  | N/A | XXXX | XXXX | $30.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.001 | 1 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/12/2025 | 01/12/2025 | 01/12/2025 |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51907.47 | 24.7 | 51907.47 | 24.7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 523421 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/26/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $4256.78 | No |  | $9750.00 | $812.50 | $3264.96 | $272.08 | $0.00 | $0.00 | $0.00 | $5341.36 | $12815.93 | N/A |  |  | $0.00 |  |  | 0.00% | 43.23% | 43.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 96 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 01/07/2025 | 01/07/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | 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 | 54207.85 | 10.2 | 54207.85 | 10.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 523475 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/21/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.000% |  | $7511.91 | No |  | $19420.44 | $1618.37 | $2590.20 | $215.85 | $0.00 | $0.00 | $0.00 | $9346.13 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.102 | 1.11 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/07/2025 | 01/07/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 330324.86 | 35.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 523560 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $1295.02 | Yes | 20.000% | $2460.00 | $205.00 | $572.04 | $47.67 | $0.00 | $0.00 | $0.00 | $1547.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.421 | 1.421 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 |  |  |  | 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 | 6656.38 | 4.3 | 182256.43 | 117.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 524198 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/21/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5500 | 01/20/2025 | 7.070% |  |  | No | 7.838% |  | 7.500% |  | $1398.43 | No |  | $9206.52 | $767.21 | $1442.04 | $120.17 | $0.00 | $0.00 | $0.00 | $2285.81 | $5142.19 | N/A |  |  | $0.00 |  |  | 0.00% | 43.69% | 43.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 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 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/07/2025 | 01/07/2025 |  |  |  | 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 | .00 | 0 | 184926.93 | 80.9 | No | 37.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 525056 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 10 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 18996.6 | 02/03/2025 | 6.920% |  |  | No | 7.231% |  | 7.000% |  | $5854.66 | No |  | $17920.20 | $1493.35 | $3779.04 | $314.92 | $0.00 | $0.00 | $0.00 | $7662.93 | $44172.92 | N/A |  |  | $0.00 |  |  | 0.00% | 19.89% | 19.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | 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, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 01/31/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | 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 | 447063.90 | 58.3 | 447063.90 | 58.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 526940 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10474 | 02/03/2025 | 6.920% |  |  | No | 7.436% |  | 7.250% |  | $4300.44 | No |  | $7460.88 | $621.74 | $2970.84 | $247.57 | $650.04 | $54.17 | $0.00 | $5223.92 | $40547.19 | N/A | XXXX | XXXX | $54.17 |  | Annually | 0.00% | 13.03% | 13.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 02/05/2025 | 02/05/2025 |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44189.38 | 8.5 | 44189.38 | 8.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 527664 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $1117.60 | Yes | 20.000% | $3305.64 | $275.47 | $2349.96 | $195.83 | $0.00 | $0.00 | $0.00 | $1588.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.605 | 1.605 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 01/31/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | 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 | 115974.61 | 73 | 115974.61 | 73 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 527665 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11629.8 | 02/03/2025 | 6.920% |  |  | No | 7.975% |  | 7.625% |  | $2632.99 | No |  | $5473.20 | $456.10 | $2082.00 | $173.50 | $0.00 | $0.00 | $0.00 | $3262.59 | $13264.71 | N/A |  |  | $0.00 |  |  | 0.00% | 47.45% | 47.45% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 NA | 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 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | Work Number | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/24/2024 | 10/24/2024 | 10/24/2024 |  |  | 768 |  |  |  |  |  |  |  |  | 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 | 7891.26 | 2.4 | 38023.22 | 11.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 530104 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $19716.09 | No |  | $42487.44 | $3540.62 | $17495.04 | $1457.92 | $0.00 | $0.00 | $0.00 | $24714.63 | $203437.11 | N/A |  |  | $0.00 |  |  | 0.00% | 42.82% | 42.82% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 \|\| Co Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/15/2025 | 01/15/2025 | 01/17/2025 |  |  | 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 | 801044.05 | 32.4 | 801044.05 | 32.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 531125 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 6 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | $2502.30 | No |  | $4293.96 | $357.83 | $1120.80 | $93.40 | $300.00 | $25.00 | $0.00 | $2978.53 | $65161.64 | N/A | XXXX | XXXX | $25.00 | 03/21/2025 | Monthly | 0.00% | 20.12% | 20.12% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 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 | Missing | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/29/2024 | 12/29/2024 |  |  |  | 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 | No | N/A | 39474.82 | 13.3 | 39474.82 | 13.3 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 532440 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $4323.38 | Yes | 20.000% | $5244.36 | $437.03 | $4485.96 | $373.83 | $0.00 | $0.00 | $0.00 | $5134.24 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.808 | 0.808 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/04/2024 | 12/04/2024 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 120887.83 | 23.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 532443 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6995 | 02/03/2025 | 6.920% |  |  | No | 7.851% |  | 7.750% |  | $5731.30 | No |  | $8868.00 | $739.00 | $1137.96 | $94.83 | $0.00 | $0.00 | $0.00 | $6565.13 | $17867.20 | N/A |  |  | $0.00 |  |  | 0.00% | 29.16% | 29.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/21/2025 | 01/21/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 293498.26 | 44.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 533777 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | $7889.06 | Yes | 20.000% | $18562.56 | $1546.88 | $749.04 | $62.42 | $0.00 | $0.00 | $0.00 | $9498.36 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.758 | 0.758 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/27/2024 | 12/27/2024 |  |  |  | 793 |  |  |  |  |  |  |  |  | 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 | 89476.59 | 9.4 | 93395.49 | 9.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 533779 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $2070.30 | No |  | $3870.84 | $322.57 | $1203.24 | $100.27 | $5340.00 | $445.00 | $0.00 | $2938.14 | $4239.12 | Yes | XXXX | XXXX | $445.00 | 03/24/2025 | Annually | 0.00% | 38.57% | 38.57% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 30 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 01/24/2025 | 01/24/2025 |  |  |  | 789 |  |  |  |  |  |  |  |  | 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 | 26544.55 | 9 | 26544.55 | 9 | No | 75 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 533780 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1202.34 | Yes | 20.000% | $1743.00 | $145.25 | $1112.28 | $92.69 | $0.00 | $0.00 | $0.00 | $1440.28 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.215 | 1.038 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 02/07/2025 | 02/07/2025 |  |  |  | 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 | No | N/A | 1692.73 | 1.2 | 1692.73 | 1.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 533781 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 17065 | 02/10/2025 | 6.870% |  |  | No | 8.351% |  | 7.990% |  | $4017.21 | No |  | $19590.12 | $1632.51 | $2822.64 | $235.22 | $744.00 | $62.00 | $0.00 | $5946.94 | $31863.51 | N/A | XXXX | XXXX | $62.00 |  | Monthly | 0.00% | 24.08% | 24.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 01/06/2025 | 01/06/2025 |  |  |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | N/A |  |  | XXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20309.84 | 3.4 | 20309.84 | 3.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 535474 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 10 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11235.64 | 02/10/2025 | 6.870% |  |  | No | 7.836% |  | 7.500% |  | $2998.23 | No |  | $12195.24 | $1016.27 | $2679.00 | $223.25 | $1055.04 | $87.92 | $0.00 | $4325.67 | $6505.38 | N/A | XXXX | XXXX | $87.92 |  | Annually | 0.00% | 45.68% | 45.68% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 02/03/2025 | 02/03/2025 | 02/03/2025 |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 152090.16 | 35.2 | 152090.16 | 35.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 536648 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $4354.40 | No |  | $11750.04 | $979.17 | $1721.04 | $143.42 | $1500.00 | $125.00 | $0.00 | $5601.99 | $425241.90 | N/A | XXXX | XXXX | $125.00 |  | Monthly | 0.00% | 12.87% | 12.87% | Yes | Yes |  |  |  |  |  |  | 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 | 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 | Yes | 228 | 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), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower | Borrower - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/25/2025 | 01/25/2025 | 01/25/2025 |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 12 | 0 | 0 | 0 |  |  |  |  | 12 | 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 | 1243231.57 | 221.9 | 1243231.57 | 221.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 536649 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11914 | 02/10/2025 | 6.870% |  |  | No | 8.311% |  | 8.000% |  | $3163.99 | No |  | $2547.12 | $212.26 | $3020.04 | $251.67 | $0.00 | $0.00 | $0.00 | $3627.92 | $4723.37 | N/A |  |  | $0.00 |  |  | 0.00% | 47.04% | 47.04% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 52.02% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 42 | 25 | FNMA 1005 | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXXX | XXXX | XX | XXXX | XXXX | 01/29/2025 | 01/29/2025 | 01/29/2025 |  |  | 702 |  |  |  |  |  |  |  |  | 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 | 44948.85 | 12.4 | 32418.21 | 8.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 537967 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 38731 | 02/10/2025 | 6.870% |  |  | No | 7.882% |  | 7.500% |  | $7831.20 | No |  | $18150.60 | $1512.55 | $4704.00 | $392.00 | $1680.00 | $140.00 | $0.00 | $9875.75 | $24880.66 | N/A | XXXX | XXXX | $140.00 | 03/01/2025 | Monthly | 0.00% | 38.16% | 38.16% | No |  |  |  |  |  |  |  | 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% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/17/2024 | 12/17/2024 |  |  |  | 682 |  |  |  |  |  |  |  |  | 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 | 271605.87 | 27.5 | 271605.87 | 27.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 537972 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1995 | 02/03/2025 | 6.920% |  |  | No | 8.018% |  | 7.990% |  | $9148.68 | No |  | $11042.88 | $920.24 | $4379.04 | $364.92 | $0.00 | $0.00 | $0.00 | $10433.84 | $23511.71 | N/A |  |  | $0.00 |  |  | 0.00% | 47.36% | 47.36% | No |  |  |  |  |  |  |  | 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% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 108 | 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) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/18/2024 | 11/18/2024 |  |  |  | 741 |  |  |  |  |  |  |  |  | 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 | 81754.09 | 7.8 | 284318.44 | 27.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 538996 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8877.66 | 02/17/2025 | 6.880% |  |  | No | 7.723% |  | 7.375% |  | $2127.28 | No |  | $6203.88 | $516.99 | $2874.00 | $239.50 | $0.00 | $0.00 | $0.00 | $2883.77 | $5489.73 | N/A |  |  | $0.00 |  |  | 0.00% | 34.83% | 34.83% | No |  |  |  |  |  |  |  | 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% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/30/2025 | 01/30/2025 |  |  |  | 812 |  |  |  |  |  |  |  |  | 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 | 18932.87 | 6.2 | 18932.87 | 6.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 538998 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10995 | 02/10/2025 | 6.870% |  |  | No | 7.734% |  | 7.625% |  | $8493.52 | No |  | $4779.96 | $398.33 | $2781.00 | $231.75 | $0.00 | $0.00 | $0.00 | $9123.60 | $96462.72 | N/A |  |  | $0.00 |  |  | 0.00% | 11.61% | 11.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 3 | No |  |  |  | 100.00% | 33.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss 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 | 01/09/2025 | 01/09/2025 |  |  |  | 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 | 54433.56 | 6 | 956662.02 | 104.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 540549 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $2328.34 | Yes | 20.000% | $3983.04 | $331.92 | $1158.60 | $96.55 | $2700.00 | $225.00 | $0.00 | $2981.81 |  | N/A | XXXX | XXXX | $225.00 |  | 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 | 1.023 | 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 | XXXX | XXXX | XX | XXXX | XXXX | 01/21/2025 | 01/21/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43070.18 | 14.4 | 43070.18 | 14.4 | No | 69.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 540550 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15070 | 02/10/2025 | 6.870% |  |  | No | 8.221% |  | 7.875% |  | $4560.69 | No |  | $4270.92 | $355.91 | $1908.00 | $159.00 | $0.00 | $0.00 | $0.00 | $5075.60 | $19974.48 | N/A |  |  | $0.00 |  |  | 0.00% | 28.83% | 28.83% | No |  |  |  |  |  |  |  | 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% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/22/2025 | 01/22/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 2021.10 | 0.4 | No | 73.14 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 543944 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6411 | 02/24/2025 | 6.850% |  |  | No | 6.956% |  | 6.875% |  | $7883.15 | No |  | $19594.92 | $1632.91 | $3819.96 | $318.33 | $4260.00 | $355.00 | $0.00 | $10189.39 | $47319.29 | N/A | XXXX | XXXX | $355.00 |  | Monthly | 0.00% | 22.62% | 22.62% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower \|\| Co Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 02/07/2025 | 02/07/2025 | 02/07/2025 |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 112099.99 | 11 | 112099.99 | 11 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 543946 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | $2788.15 | No |  | $5187.48 | $432.29 | $481.80 | $40.15 | $7356.00 | $613.00 | $0.00 | $3873.59 | $7999.39 | Yes | XXXX | XXXX | $613.00 |  | Monthly | 0.00% | 40.23% | 40.23% | Yes |  |  |  |  |  |  |  | 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 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/12/2024 | 12/12/2024 |  |  |  | 649 |  |  |  |  |  |  |  |  | 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 | 24530.60 | 6.3 | 24530.60 | 6.3 | No | 79.9 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 544928 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | $7965.34 | Yes | 20.000% | $18636.36 | $1553.03 | $7324.80 | $610.40 | $29892.00 | $2491.00 | $0.00 | $12619.77 |  | Yes | XXXX | XXXX | $2491.00 | 04/01/2025 | 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 | 0.872 | 0.829 |  | 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 | 01/08/2025 | 01/08/2025 |  |  |  | 782 |  |  |  |  |  |  |  |  | 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 | 1005871.08 | 79.7 | 1005871.08 | 79.7 | No | 75 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 547206 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 20795 | 02/10/2025 | 6.870% |  |  | No | 8.497% |  | 8.375% |  | $5715.74 | No |  | $11750.04 | $979.17 | $4335.96 | $361.33 | $0.00 | $0.00 | $0.00 | $7056.24 | $8189.36 | N/A |  |  | $0.00 |  |  | 0.00% | 49.10% | 49.10% | 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% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 24 | 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 | 12/16/2024 | 12/16/2024 |  |  |  | 714 |  |  |  |  |  |  |  |  | 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 | 99665.08 | 14.1 | 99665.08 | 14.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 552706 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6216 | 02/17/2025 | 6.880% |  |  | No | 9.263% |  | 8.875% |  | $1648.58 | No |  | $2108.88 | $175.74 | $2748.96 | $229.08 | $0.00 | $0.00 | $0.00 | $2053.40 | $3256.05 | N/A |  |  | $0.00 |  |  | 0.00% | 49.97% | 49.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | 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, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 01/31/2025 |  |  |  | 648 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | 15061.23 | 7.3 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 552712 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 34933.81 | 02/03/2025 | 6.920% |  |  | No | 8.291% |  | 7.990% |  | $6327.11 | No |  | $2292.60 | $191.05 | $2772.96 | $231.08 | $0.00 | $0.00 | $0.00 | $6749.24 | $26171.63 | N/A |  |  | $0.00 |  |  | 0.00% | 27.67% | 27.67% | 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 | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 02/03/2025 | 02/03/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | 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 | 257370.94 | 38.1 | 257370.94 | 38.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 554320 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.000% |  | $1238.23 | Yes | 20.000% | $6101.40 | $508.45 | $855.00 | $71.25 | $0.00 | $0.00 | $0.00 | $1817.93 |  | 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 | 0.88 | 0.88 |  | 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 | 01/30/2025 | 01/30/2025 |  |  |  | 710 |  |  |  |  |  |  |  |  | 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 | 47152.34 | 25.9 | 47152.34 | 25.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 555285 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7264.23 | 02/03/2025 | 6.920% |  |  | No | 8.447% |  | 8.000% |  | $1677.39 | No |  | $4047.72 | $337.31 | $2276.04 | $189.67 | $0.00 | $0.00 | $0.00 | $2204.37 | $26052.29 | N/A |  | TX | $0.00 |  |  | 0.00% | 11.82% | 11.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | 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 | 01/21/2025 | 01/21/2025 |  |  |  | 755 |  |  |  |  |  |  |  |  | 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 | 31643.04 | 14.4 | 31643.04 | 14.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 563741 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 10 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15000 | 02/10/2025 | 6.870% |  |  | No | 7.324% |  | 7.125% |  | $5726.61 | No |  | $60536.64 | $5044.72 | $8358.00 | $696.50 | $2400.00 | $200.00 | $0.00 | $11667.83 | $21727.17 | N/A | XXXX | XXXX | $200.00 |  | Monthly | 0.00% | 35.24% | 35.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 1 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/22/2024 | 11/22/2024 |  |  |  | 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 | No | N/A | 124004.14 | 10.6 | 124004.14 | 10.6 | No | 16.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 566317 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 10 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 4866.56 | 03/17/2025 | 6.650% |  |  | No | 8.223% |  | 7.875% |  | $1268.87 | No |  | $3506.16 | $292.18 | $1467.00 | $122.25 | $543.00 | $45.25 | $0.00 | $1728.55 | $2958.49 | N/A | XXXX | XXXX | $45.25 |  | Annually | 0.00% | 49.35% | 49.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 38 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/23/2025 | 01/23/2025 |  |  |  | 640 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | XXXX | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2419.27 | 1.4 | 9923.73 | 5.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.15

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 424945 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0833 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 478149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.82 | 68.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 478827 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1.8 | XXXX |
| XXXX | 484238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 489092 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 73.17 | 73.17 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 489099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.3 | XXXX |
| XXXX | 490284 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.86 | 64.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 490348 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 73.17 | 73.17 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 491238 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 54.55 | 54.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 504875 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | 1 | XXXX |
| XXXX | 510260 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 512532 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 513691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0316 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0316 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | 514537 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.0 | 69.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 517571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 518076 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.89 | 59.89 | XXXX | XXXX | -.0741 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0741 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 518605 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.3 | XXXX |
| XXXX | 519398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.2857 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.2857 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1429 | XXXX | High | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 521579 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 522118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  |  |
| XXXX | 522602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 523161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 523421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 523475 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 523560 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 524198 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.38 | 37.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 525056 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 526940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | 527664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 527665 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 530104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0588 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0588 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 531125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 532440 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | 532443 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 533777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 533779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0127 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0127 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  |  |
| XXXX | 533780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | 533781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 535474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 536648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 536649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| XXXX | 537967 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 537972 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 538996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 538998 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 540549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.64 | 69.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 540550 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.14 | 73.14 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 543944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 543946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 79.9 | 79.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 544928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 547206 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 552706 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 552712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 554320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 555285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 563741 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 16.19 | 16.19 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 566317 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.16

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.16**

![](ex9916001.jpg)

**July 23, 2025<br> Due Diligence Narrative Report**

![](ex9916002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *6* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 1 July 23, 2025

![](ex9916002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9916003.jpg) | **Michael Santarsiere** | Client Service Director |

---

Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](ex9916003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

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

**Overview**

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 177 residential loans.

On behalf of Hometown Equity Mortgage, LLC dba "theLender", Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 93 residential loans.

MFA subsequently purchased these loans via reliance letter and selected them for the MFA 2025-NQM3 transaction.

The loans referenced in this narrative report were reviewed on a bulk and flow loan basis from December 2021 to May 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;264 | &nbsp;&nbsp;97.78% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**270** | &nbsp;&nbsp;**100.00%** |

---

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 2 July 23, 2025

![](ex9916002.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;270 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;270 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;188 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;270 |

---

Loan Grading

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

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

![](ex9916004.jpg)

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 3 July 23, 2025

![](ex9916002.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 270 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (270 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (270 loans)

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

● AVM

● BPO

● Desk Review

● Field Review

For further detail please refer to the MFA 2025-NQM3 Valuations Summary Report

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 4 July 23, 2025

![](ex9916002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions; and

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 5 July 23, 2025

![](ex9916002.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 to such loans upon the affirmative election by MFA.

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

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

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

<u>State and Federal High Cost and Higher-Priced:</u>

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

<u>Anti-predatory lending laws</u>

● Minnesota §58 on or after 8/1/2008

● Virginia Lender and Broker Act after 6/1/2008

Prepayment Penalties and Late Charges in certain states

Taxpayer First Act: Consent to share IRS-provided tax information sent by the IRS on or after 12/28/2019.

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 270 reviewed loans, by completing the following steps:

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

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

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

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

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

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 6 July 23, 2025

![](ex9916002.jpg)

Data Capture

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

**data Compare Results**

Clayton provided MFA with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 270 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.63% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.52% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.63% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.15% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;47 | &nbsp;&nbsp;82.59% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;94.81% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.52% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;16 | &nbsp;&nbsp;94.07% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;97.04% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.63% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.89% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.89% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.63% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;44 | &nbsp;&nbsp;83.70% |
| &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.89% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.63% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;95.19% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.89% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.63% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.89% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;95.93% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;10 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.63% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;58 | &nbsp;&nbsp;78.52% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;97.78% |

---

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 7 July 23, 2025

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**Clayton Due Diligence Results**

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 155 | 1 | 15 | 24 | **195** |
| **Final** | **B** |  | 43 | 19 | 13 | **75** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **155** | **44** | **34** | **37** | **270** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 180 | 2 | 8 | 19 | **209** |
| **Final** | **B** |  | 44 | 10 | 7 | **61** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **180** | **46** | **18** | **26** | **270** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 245 |  | 7 | 10 | **262** |
| **Final** | **B** |  | 2 | 6 |  | **8** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **245** | **2** | **13** | **10** | **270** |

---

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 8 July 23, 2025

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 172 |  | 5 | 2 | **179** |
| **Final** | **B** |  | 2 | 6 | 1 | **9** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **172** | **2** | **11** | **3** | **188** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (82 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Appendix A: Credit Review Scope**

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

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

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

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

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

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

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

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

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

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

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

○ Asset review included:

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

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

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

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

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

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

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

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– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

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

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

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 11 July 23, 2025

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– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

**Appendix B: Origination Appraisal Assessment** 

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

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

○ Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 12 July 23, 2025

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

○ Title XI of FIRREA:

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

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

○ USPAP

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

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

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

○ 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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

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○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

○ 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.

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

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

○ 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.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

**Appendix C: Regulatory Compliance Review Scope**

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

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

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

○ 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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ 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

○ 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

○ 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.

○ 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

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

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

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○ 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.

○ 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)

○ 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

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

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

○ 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)

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

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

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

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

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

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

● Interest-only periods and final balloon payments are accurately completed.

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

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 15 July 23, 2025

![](ex9916002.jpg)

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

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

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

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

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 16 July 23, 2025

![](ex9916002.jpg)

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

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

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

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

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

---

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

---

**B.** **State/Local High Cost** 

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

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Arkansas | Maine | Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| Colorado | Massachusetts | South Carolina |
| Connecticut | Nevada | Tennessee |
| District of Columbia | New Jersey | Texas |
| Florida | New Mexico | Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp;Vermont<br> (High Rate, High Point law) |

---

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 17 July 23, 2025

![](ex9916002.jpg)

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp;Ohio, including<br> Cleveland Heights ordinance |  |
| Kentucky | Oklahoma | |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

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

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |

---

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 18 July 23, 2025

![](ex9916002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

MFA 2025-NQM3 Due Diligence Narrative Report Page \| 19 July 23, 2025

## Exhibit 99.17

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.17**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM3** |
| **Start - End Dates:** | **12/9/2021 - 5/23/2025** |
| **Deal Loan Count:** | **270** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *270* |
| ***Loans with Conditions:*** | *115* |

---

---

| |
|:---|
| **21 - Total Active Conditions** |
| **21 - Non-Material Conditions** |
| 19 - Credit Review Scope |
| 5 - Category: Credit/Mtg History |
| 4 - Category: Income/Employment |
| 2 - Category: Insurance |
| 4 - Category: LTV/CLTV |
| 4 - Category: Terms/Guidelines |
| 2 - Property Valuations Review Scope |
| 1 - Category: Appraisal |
| 1 - Category: Property |
| **93 - Total Satisfied Conditions** |
| 50 - Credit Review Scope |
| 10 - Category: Application |
| 2 - Category: Assets |
| 4 - Category: Credit/Mtg History |
| 3 - Category: DTI |
| 12 - Category: Income/Employment |
| 7 - Category: Insurance |
| 11 - Category: Legal Documents |
| 1 - Category: Title |
| 20 - Property Valuations Review Scope |
| 17 - Category: Appraisal |
| 2 - Category: FEMA |
| 1 - Category: Value |
| 23 - Compliance Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Compliance Manual |
| 2 - Category: Right of Rescission |
| 19 - Category: TILA/RESPA Integrated Disclosure |
| **68 - Total Waived Conditions** |
| 57 - Credit Review Scope |
| 5 - Category: Assets |
| 26 - Category: Credit/Mtg History |
| 2 - Category: DTI |
| 2 - Category: Income/Employment |
| 14 - Category: LTV/CLTV |
| 8 - Category: Terms/Guidelines |
| 7 - Property Valuations Review Scope |
| 1 - Category: Appraisal |
| 4 - Category: FEMA |
| 2 - Category: Property |
| 4 - Compliance Review Scope |
| 1 - Category: Documentation |
| 1 - Category: Right of Rescission |
| 2 - Category: State Consumer Protection |

---

&nbsp;&nbsp;&nbsp;&nbsp;©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.18

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.18**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM3** |
| **Start - End Dates:** | **12/9/2021 - 5/23/2025** |
| **Deal Loan Count:** | **270** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *270* |
| ***Loans with Conditions:*** | *115* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 82869 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Appraisal | Active B | PRVAAPPR4789 | Appraisal Deficiency | No | Broker transferred appraisal in file. Approved loan Exception in file to use broker appraisal. Clayton deems non-material/non-fatal as appraisal independence certification is in file and value is supported by CDA. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16.27 months of reserves in file. 6 months required. |
| 83047 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.76% and maximum is 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 685 and minimum is 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has had no late payments for 15 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 37.13% and maximum allowed is 50% |
| 82870 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41.86 months of reserves in file. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 mid-score per CBR. 660 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 30% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 83048 | XXXX | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 10 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 760 is 120 points above the 640 FICO required for the program. |
| 82871 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 23 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $82,226.60 reserves in file; 38.85 months PITIA. Required reserves $2,116.36 x 6 = $12,698.16.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.38% is 25.62% below the 75% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 722 is 62 points above the 660 FICO required for the program. |
| 82872 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 675 exceeds the minimum of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65.92% is below the maximum of 70% for unleased.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $5000, 2.21 months reserves, 0 months required for rate term refi<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced by $1641.68 or 42.02% |
| 82873 | XXXX | NY | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing lease for XXX per month for rented unit as required by guidelines 1.8.2.1.1.Clayton deems non-material/non-fatal to lending decision as market rent is equal to lease amount listed on the appraisal and credit score of 675/660 minimum and LTV 54.896%/70% maximum allowed. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.90%. G/l max is 70%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 22% consumer credit utilization in file |
| 82874 | XXXX | CA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Active B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Missing evidence of documented improvements since property owned less than 12 months.Guidelines 1.4.1.3 (Page 26): For properties owned greater than 6 months but less than 12-months: LTV/CLTV is limited to the lower of the current appraised value or the propertys purchase price plus documented improvements. HUD reflects property purchased XXX for XXX and note date of new loan is XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 56 months PITIA is 50 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 813 is 113 points above the 700 FICO required for the program.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 1.34%. |
| 82874 | XXXX | CA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since FEMA disaster declaration date XXX and effective date XXX Wildfires and Straight-Line Winds. PDI ordered XXX. | 3-5-25 Clayton received PDI. | 3-6-25 Clayton reviewed PDI with no damage. Copy emailed to client. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 56 months PITIA is 50 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 813 is 113 points above the 700 FICO required for the program.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 1.34%. |
| 82875 | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $12,886.48 or 5.09 months piti reserves. 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 727. G/l min is 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 12% consumer credit utilization in file |
| 82877 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 25 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 760 is 100 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.69% is 17.31% below the 75% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 85 months PITIA is 79 months greater than the 6 months reserves required. |
| 82879 | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.29% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 816 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $863565.65, 117.43 months reserves, 6 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% of revolving credit usage |
| 82881 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 294 months of mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 93 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.54 months of reserves in file. |
| 82882 | XXXX | GA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | LTV/CLTV | Active C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | The lease was dated after application date and per the guidelines, the borrower needs to verify receipt of the security deposit which we do not have. The LTV is at 75% which would be above the 70% for unleased properties. Clayton deems exception non material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $201504.10, 104.09 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 779 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 14% revolving credit usage<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residing in primary residence 30 years per PDR |
| 82884 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $139875.11, 119.12 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residing in primary residence 17 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 35.71% is below the maximum of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 741 exceeds the minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months reviewed for primary residence mortgage exceeds the 12 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 17% revolving credit usage |
| 83065 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 663 mid-score per CBR. 660 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 consumer history since 5/2020 per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 1.97 months of reserves in file, 0 months required. |
| 83049 | XXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 740. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 20% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $93,146.53 or 70.08 months piti reserves. 6 months required. |
| 82889 | XXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,005,056.25, 332.49 months; 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on mortgages for past 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 782 and minimum is 700 |
| 82890 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $294171.63, 51.23 months reserves, 6 months required |
| 82891 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $101416.53, 23.89 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residing at current primary residence for 20 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% of revolving credit usage<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 731 exceeds the minimum of 700 |
| 82892 | XXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 677 is 37 points above the 640 FICO required for the program.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 21.43%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.76% is 6.24% below the 75% LTV allowed for the program. |
| 82893 | XXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 108 months of 0x30 rental history per VOR in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.78% LTV per review; 70% LTV is maximum allowed per guidelines. |
| 82895 | XXXX | WI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject loan is refinancing a PIK (paid in kind) loan and guidelines require it be considered a cash out refinance. (sec 1.4.1.2 or page 25-26 AND sec 1.8.2.3 or page 68)Loan does not meet cash out due to the following: 1) Max LTV is 70% based on credit score, 2) Minimum credit score is 700 based on 75% LTV, 3) LTV is based on lower of appraised value or acquisition cost + documented improvements (sec 1.4.1.3 or page 26). Clayton deems non-material/non-fatal to lending decision as there was no cash out at closing and appraisal indicates "lower unit has been wholly modernized with a remodeled kitchen and bath and newer laminate flooring" and "newer water heaters and vinyl windows". Compensating factor include over 198 months cash reserves/6 months required on cash out, Strong DSCR at 1.3875 and 22 months mortgage history on other REO with no lates. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 35.26 credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 198.82 months piti reserves. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years |
| 82896 | XXXX | CT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Active B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing evidence receipt of security deposit of $2500 for subject property. Per guidelines 1.8.2.1.1. if lease was obtained after application date, file must have evidence of the security deposit. Lease dated XXX, Application date XXX Clayton deems non-material/non-fatal since DSCR is calculated on the lower amount and Credit score of 727/minimum 700, and more than 6 months cash reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $194019.52, 90.98 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 48 months at current primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds the minimum of 700 |
| 82896 | XXXX | CT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing final HUD-1. HUD-1 provided is dated XXX. Transaction date is XXX | 2-24-25 Client uploaded final HUD. | 2-25-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $194019.52, 90.98 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 48 months at current primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds the minimum of 700 |
| 83063 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.67% is 20.33% below the 70% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 117 months PITIA is 111 months greater than the 6 months reserves required. |
| 83069 | XXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 25 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 706. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 63.13 months piti reserves. 6 months required. |
| 82897 | XXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 25 years at current residence.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 7.86%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 71 months PITIA is 65 months greater than the 6 months reserves required. |
| 82898 | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing the required 2 months of rent verification for subject XXX (2 rentals at XXX/month each), also missing proof of security deposits for the XXX. Loan Exception Request in file. Clayton deems non-material/non-fatal to lending decision due to compensating factors: credit score 792/660 minimum and over 54 months cash reserves/6 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid-score per CBR. 660 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 284 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 108 months of 0x30 consumer history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 54.45 months of reserves in file. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 82900 | XXXX | FL | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Insurance | Active C B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Hazard policy runs from XXX-XXX, disbursement date is XXX, Note date is XXX. | 3-4-25 Client sent email from insurance agent. | 3-5-25 Clayton reviewed email from insurance agent that states there have been no claims since XXX with policy start date of XXX. Clayton deems non-material/non-fatal to lending decision as there have been no claims and only missing coverage from XXX to XXX Compensating factors: credit score 793/680 minimum, LTV 50.68%/85% maximum allowed, and 8.62 months cash reserves/0 months required. Exception remains as non-material. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid-score per CBR. 680 minimum for first time investor.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.68% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 36 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8.62 months of reserves in file. 0 months required. |
| 82901 | XXXX | IL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of mortgage for primary residence with note date of XXX. (copy of mortgage statement or first payment letter that matches payment on bank statement)Note: should have been at least one payment due prior to subject note date. Mortgage on credit report is for XXX property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $81,481.16, 68.09 months. 0 months required. |
| 82902 | XXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Provide final HUD-1. | 3-3-25 Client uploaded final HUD. | 3-4-25 Clayton reviewed final HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 740. G/l min is 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%. G/l max is 75%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 12% consumer credit utilization in file |
| 82903 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $145,377.57, 89.6 months; 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 797 and minimum is 700<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on any account for 20 years. |
| 83050 | XXXX | MA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3312 | One or more Applications in file are incomplete | No | Missing completed application for XXX | 3-28-25: client uploaded completed application for XXX. | 3-28-25: exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 736 is 36 points above the 700 FICO required for the program. |
| 83050 | XXXX | MA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing completed application for XXX to determine citizenship/residency. | 3-28-25: client uploaded completed application for XXX | 3-28-25: exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 736 is 36 points above the 700 FICO required for the program. |
| 82904 | XXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 3-3-25 Client uploaded final HUD. | 3-3-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 qualifying credit score per CBR. 660 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 63 months of 0x30 subject mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33.38 months of reserves in file. 6 months required. |
| 82905 | XXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Application is incomplete as residency status is not completed. Please provide update with residency/citizenship completed. | 2-25-25 Client uploaded updated application. | 2-26-25 Clayton reviewed application. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%. G/l max is 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 28 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3.27 months piti reserves. 0 months required. |
| 82907 | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1. | 3.12.25 please see the uploaded final ssXXX XXX uploaded is Estimated with no settlement date or disbursement date noted. exception remains. 3.17.25 please see the updated final ss3.17.25 exception satisfied | 3.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 37.33% is 32.67% below the 70% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $1,344,313.63 reserves in file; 115.85 months PITIA. Required reserves $11,603.88 x 6 = $69,623.28.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 661 is above the required 660. |
| 83059 | XXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 672 mid-score per CBR. 660 minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3.06 months of reserves, 0 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence. |
| 82908 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $58,522.98, 21.68 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 750 and minimum is 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments with 12 year credit history. |
| 82910 | XXXX | CT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value.Per guidelines Page 79 - if both scores (CU & LCA) provided, both required to be 2.5 or less. If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or second appraisal.LCA score is 3.5. | 3.13.25 Please see uploaded CDA3.13.25 exception satisfied | 3.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 699. G/l min is 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 18% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.66 months piti reserves. 0 months required. |
| 82911 | XXXX | MS | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 134 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 34.64 months of reserves in file. 0 months required. |
| 82912 | XXXX | MO | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide updated 1003 loan application to clarify if borrower is XXX or XXX; file has conflicting information as current VISA in file yet 1003 indicates XXX. | 3-5-25 Client uploaded corrected 1003. | 3-6-25 Clayton reviewed corrected 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 73% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 695 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $41439.47, 18.32 months reserves, 0 months required |
| 82915 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid-score per CBR. 700 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 135.46 months of reserves in file. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 mortgage history since 2/2020 per CBR. |
| 82916 | XXXX | AL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing satisfactory verification of XXX account in the name of XXX used for closing per Wire in file from XXX on XXXX5 for $XXXX | 3-3-25 Client uploaded XXX statement. | 3-3-25 Clayton reviewed XXX statement which reflects the outgoing wire of $XXXX on XXXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $162,453.30, 101.38 months. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds the required 12 months. |
| 82917 | XXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No |  | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 691 exceeds the maximum of 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years residing in primary residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $162669.42, 119.60 months reserves, 6 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months reviewed for primary residence mtg exceeds the 12 months required |
| 82917 | XXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing evidence receipt of security deposit for subject property in the amount of $1000. Per 1.8.2.1.1 guidelines, leases obtained after application must have evidence of security deposit. | 3-19-25 Client uploaded evidence of security deposit. | 3-19-25 Clayton reviewed document. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 691 exceeds the maximum of 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years residing in primary residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $162669.42, 119.60 months reserves, 6 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months reviewed for primary residence mtg exceeds the 12 months required |
| 82917 | XXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV exceeds by .28%. Per guidelines for cash out refi, max LTV is 70% with a credit score of 691. Loan closed at 70.28% LTV | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 691 exceeds the maximum of 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years residing in primary residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $162669.42, 119.60 months reserves, 6 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months reviewed for primary residence mtg exceeds the 12 months required |
| 82918 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 qualifying credit score per CBR. 680 minimum for first time investor.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 65 months of 0x30 prior mortgage history on CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.03 months of reserves in file. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 82919 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $271728.10, 28.63 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 777 exceeds the minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46 months reviewed for primary residence mortgage exceeds the 12 months required |
| 82920 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.084%. G/l max is 70%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 82.45 months piti reserves. 6 months required. |
| 83052 | XXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $216926.34, 98.99 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 795 exceeds the minimum of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% of revolving credit utilized |
| 83053 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 7%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 800 is above the 660 FICO required for the program. |
| 82921 | XXXX | TX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Fraud report states appraiser (XXX) is not registered with National Registry of Appraisers and XXX (supervisory appraiser) was not on participants list. Provide evidence the XXX is registered with ASC and add XXX to participants list. | 3-3-25 Client uploaded Fraud report. | 3-3-25 Clayton reviewed report and file. ASC search uploaded to clear alerts on fraud report. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749 and minimum is 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has no outstanding revolving debt. |
| 82922 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception; 70% LTV is maximum allowed per guidelines for DSCR < 1.0 for cash-out transaction. Loan was approved at 75% LTV based on DSCR of 1.0499 per approval using XXX/month market rents with no evidence to support higher amount used. File contained 1007 showing XXX/month. Review calculated DSCR at 0.9599 based on XXX/month market rents. Clayton deems non-material/non-fatal to lending decision due to the following compensating factors: Credit score of 703/minimum is 700 and cash reserves of 29.09 months/6 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 mid-score per CBR. 700 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 124 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 154 months of 0x30 mortgage history per CBR. |
| 82923 | XXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Provide application with residency status completed. Missing Citizenship. | 3-4-25 Client uploaded application. | 3-4-25 Clayton reviewed corrected application. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 6.97 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 709 is 49 points above the 660 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years at current residence. |
| 83054 | XXXX | FL | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | File documentation indicates there will be up to XXXX properties financed by the Lender; provide credit committee approval to exceed 4 properties. | 3-28-25: client uploaded credit committee approval for XXXX loans. | 3-28-25: exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $118,044.29, 42.19 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 708 and minimum is 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments with 5 year payment history. |
| 83054 | XXXX | FL | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Fraud report indicates appraiser, XXX, is not registered with the National Registry of Appraisers. | 3-28-25: client uploaded verification that appraiser is active in the National Registry of Appraisers. | 3-28-25: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $118,044.29, 42.19 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 708 and minimum is 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments with 5 year payment history. |
| 83045 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 730 is 50 points above the 680 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is 5% below the 70% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 56 months PITIA is 50 months greater than the 6 months reserves required. |
| 82924 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | NQHEM+ requires an inspection of the subject, as it is a condo. Inspection is in the file indicating deficiencies to be addressed with a cost to cure of $1,650 - for electrical, kitchen appliances, plumbing and interior fixes. Provide proof all repairs are complete. Clayton deems except4ion non material toe the overall lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 50% LTV. Max allowed 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXXX funds required to close. Verified $262,478.44 in assets with $35,924.77 in post-closing reserves. No Reserves required since LTV is 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Verified 29 months clean mortgage payment history. Minimum required 12 months. |
| 82925 | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $569,729.96, 105.44 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 780 and minimum is 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have no late payments on mortgages for 9 years. |
| 82926 | XXXX | AZ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41.39 months of reserves in file. 6 months required. |
| 82927 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $26,316.00, 6.17 months. 6 months required. |
| 82929 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Pending verification of HOA dues on XXX and satisfactory evidence that the borrower does not have any ownership interest in XXX as reflected on fraud report. | 3-7-25 Client uploaded docs to satisfy exceptions. | 3-11-25 Clayton reviewed all documents uploaded. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 817 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum allowable of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.45% is below the maximum allowable 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $253,153.74, 41.16 months. 6 months required. |
| 82929 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence that borrower does not own XXX as reflected on the fraud report. Letter in file from borrower is not sufficient to evidence - Provide property report on triplex located at XXX (Brief legal: Tract #XXX S XXX ft of N XXX Ft of Lot XXX). Note: DTI subject to change. | 3-7-25 Client uploaded property report. | 3-11-25 Clayton reviewed property report. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 817 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum allowable of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.45% is below the maximum allowable 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $253,153.74, 41.16 months. 6 months required. |
| 82929 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of no HOA dues on XXX. Note: DTI subject to change. | 3-7-25 Client uploaded online search reflecting no HOA. | 3-11-25 Clayton reviewed online searches. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 817 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum allowable of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.45% is below the maximum allowable 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $253,153.74, 41.16 months. 6 months required. |
| 82930 | XXXX | MD | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing most recent 12 month pay history for mortgage on subject property with XXX. | 3-7-25 Client uploaded bank statements. 3.12.25 he payment on XXX is sept mortgage payment and it matches the withdraw on all prior payments from Feb thru Sept. $1584 (snippets below). October payment there was an increase to the payment, $1601.95. The mtg statement (attached) that was provided for Feb 2025 show the same amount | 3.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $56,984.38, 26.57 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 694 and minimum is 660 |
| 82931 | XXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $18716.29, 12.59 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is above the required 740.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent payment history on subject property. |
| 82932 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 708. G/l min is 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 38 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 60 months |
| 82934 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 760. G/l min is 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 10% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 111.55 months piti reserves. 6 months required. |
| 83061 | XXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value.LCA score 3, CU score 1.1 and CDA in file was not for our subject property.Provide CDA to support value for subject property. | 3-21-25 Client uploaded CDA. | 3-21-25 Clayton reviewed CDA. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid-score per CBR. 660 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 77.45 months of reserves in file. 6 months required. |
| 82936 | XXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP155 | Application Missing | No | Missing signed application for XXX. | 3.17.25 Uploaded commercial loan app for XXX.3.17.25 exception satisfied | 3.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 11.31 months PITIA is greater than the 6 months reserves required. |
| 82936 | XXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing both Guarantors names listed on the fraud report participants detail list as cleared through all watchlist. | 3-17-25 Client uploaded fraud report. | 3-18-2 Clayton reviewed fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 11.31 months PITIA is greater than the 6 months reserves required. |
| 82936 | XXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Active C B | CRDTER3262 | Property issues indicated | No | Property is a Non-Warrantable Condo with the HOA having less than the minimum 10% reserves required. Client provided an exception approval to allow the loan with the HOA having less than 10% reserves. Clayton deems exception non fatal to the lending decision. Grade = 2/B. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 11.31 months PITIA is greater than the 6 months reserves required. |
| 82937 | XXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 674 exceeds the minimum 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: VOR supports 58 months rent reviewed which exceeds the 12 months required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $128245.70, 92.84 months reserves, 6 months required |
| 82938 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 166.14 months piti reserves. 6 months required. |
| 82939 | XXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 753. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 40 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $118,295.16 or 97.27 months piti reserves. 6 months required. |
| 82941 | XXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 735 is 95 points above the 640 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is 20% below the 85% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 36 months PITIA vs 0 months reserves required. |
| 82944 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 48 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 92 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 94.91 months piti reserves. 6 months required. |
| 82945 | XXXX | GA | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 1007 supporting long term market rents of XXX per month. NOTE: If documents come back as a short term rental - An LTV exception will be added as Maximum LTV for short term rental is 75% per guidelines 1.8.2.1.2 or page 66. | March 4th 2025, 11:31:15 am Message from Client: The XXX was used for the decision. Please advise.3-5-25 Client uploaded XXX report changing property to short term rental. | 3-4-25 Clayton responded: We need the XXX report and we will change to Short term rental and we will need to add LTV exception due to Maximum LTV for short term rental is 75% per guidelines 1.8.2.1.2 or page 66 and loan closed at 80%. Exception remains. 3-6-25 Clayton reviewed XXX report and updated data points. Changed property rental type to a short term rental which caused an New LTV exception. Income exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 exceeds the minimum of 660 based on LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 months reviewed for primary residence mortgage exceeds 12 months required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $82744.44, 17.92 months reserves, 0 months required |
| 82945 | XXXX | GA | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Active C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV is 75% for short term rentals, loan closed at 80%LTV. Clayton deems non-material/non-fatal due to credit score of 759/660 minimum required, strong DSCR calculation at 1.4513 and cash reserves at 17.92 months/0 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 exceeds the minimum of 660 based on LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 months reviewed for primary residence mortgage exceeds 12 months required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $82744.44, 17.92 months reserves, 0 months required |
| 82947 | XXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.37 months piti reserves. 6 months required. |
| 82948 | XXXX | TX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Active C B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report is over 120 days old, completed XXX, with date of note XXX, this is 125 days. Credit report was reissued on XXX and on XXX but information was not refreshed and updated. | 3-7-25 Client entered the following comments in Hazard insurance exception for credit: This is a noni so credit balances and payments do not matter because we dont use income however the liabilities on the XXX reissue match, fico scores match and we have the correct credit reference #. A reissue is a refresh just happens nothing changed - there should be no issue.3-11-25 Client uploaded an approved exception for credit report being over 120 days old. | 3-11-25 Clayton reviewed the file and credit report which reflects a reissue date of XXX, however the credit score calculated date remains XXX which is considered stale as it was over 120 days old at closing. Exception remains. 3-11-25 Clayton reviewed exception approval and file and deems non-material/non-fatal to lending decision as only 5 days outside of acceptable time frame and credit score of 678/660 minimum and over 24 months cash reserves/6 months required. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $102,247.74, 24.42 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 678 and minimum is 660 |
| 82948 | XXXX | TX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Insurance | Active C B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI effective date is XXX and loan closed XXX. Clayton deems non-material/non-fatal to lending decision as borrower had builders risk coverage at closing and it is now changed over to Dwelling coverage with a higher amount of coverage. | 3-18-25 Client requested explanation. | 3-18-25 Clayton reviewed and emailed client back: I reviewed the HOI earlier today and satisfied the HOI coverage exception, however this caused another exception due to the effective date of XXX and the loan closed XXX. It also caused a variance in the DSCR which is now 1.1227 as the HOI increased the payment. The following non-material exception was added: HOI effective date is XXX and loan closed XXX. Clayton deems non-material/non-fatal to lending decision as borrower had builders risk coverage at closing and it is now changed over to Dwelling coverage with a higher amount of coverage.Exception remains. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $102,247.74, 24.42 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 678 and minimum is 660 |
| 82948 | XXXX | TX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insurance in file is builder risk coverage which is not acceptable for finished dwellings as it terminates when building begins its intended use, in this case, as rental dwelling. | 3-17-25 Client uploaded HOI policy. | 3-18-25 Clayton reviewed HOI. Policy reflects an effective date of XXX and loan closed XXX which has caused a new exception for HOI effective date. HOI coverage Exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $102,247.74, 24.42 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 678 and minimum is 660 |
| 82949 | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Application is incomplete as residency status is blank. Provide corrected application. | 2-26-25 Client uploaded application. | 2-26-25 Clayton reviewed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $44,030.15 or 7.74 months reserves, 0 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 26 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2% Consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 718. G/l min is 660 |
| 82951 | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. Note: XXX Guidelines (Section 1.9.1.3.1): (Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less). File contained both: CU score = 2.2 , LCA score = 3.Provide CDA to support value. | 3.12.25 Upld screen shot of SSR not required CDA3.13.25 Clayton memo; LCA =3.0 Note: XXX Guidelines (Section 1.9.1.3.1): (Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less). File contained both: CU score = 2.2 , LCA score = 3. Missing updated valuation to support appraised value. Provide CDA to support value. exception remains. 3.20.25 Hi upload CDA thank you3.20.205 exception satisfied | 3.20.205 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 mid-score per CBR. 660 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 20% LTV per review; 70% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 630 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 129.17 months of reserves in file. 6 months required. |
| 82952 | XXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $16,312.60, 5.68 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 694 and minimum is 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on any account with 7 year credit history. |
| 82954 | XXXX | LA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 748. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 60 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%. Max LTV per g/l is 85% |
| 82955 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%. G/l max is 85%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 18% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $74,165.05 or 19.39 months piti reserves. 0 months required. |
| 83514 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation to clear fraud report alert on appraiser. Provide ASC search to verify appraiser is registered with the National Registry. Documentation provided clears appraiser from EPLS/SAM | 4.4.25 Please see the upl cleared report for appraiser4.4.25 exception satisfied | 4.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 624 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $171650.04. 51.37 months reserves, 3 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.81% is below the maximum of 50% |
| 82958 | XXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $6366.91, 3.67 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 796 and minimum is 700<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on any credit with 14 years credit history. |
| 82960 | XXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation Appraiser is active. | 3.17.25 Uploaded proof appraiser is active.3.17.25 exception satisfied | 3.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $36623.18, 16.44 months reserves, 6 months required |
| 82961 | XXXX | DC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 661 is above the required 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $4,590.58, 1.36 months. 0 months required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good credit history with no late payments in the last 4 years. |
| 82962 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 mid-score per CBR. 660 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 108 months of mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 82964 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 762 exceeds the minimum 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $92400, 32.18 months reserves, 0 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1% of revolving credit used<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residing in primary residence 21 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Primary residence mortgage reviewed 53 months exceeds the 12 months required |
| 82965 | XXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 qualifying credit score per CBR. 640 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 30.95% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 170 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 479 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 48.68 months of reserves in file. 0 months required. |
| 83060 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 49 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 29.87%. G/l max is 70% for unleased property.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 797. G/l min is 660. |
| 82966 | XXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 751 is 91 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 8 months PITIA vs 0 months reserves required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 7.44%. |
| 82967 | XXXX | TX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Fraud report reflects a watchlist alert for appraiser. Provide ASC evidence to clear alert. | 3-7-25 Client uploaded ASC search. | 3-11-25 Clayton reviewed search. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $104,775.57, 26.46 months; 6 months required.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $XXXXabove the required $XXXX down payment for a total down payment of $XXXX |
| 83062 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid-score per CBR. 680 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6.3 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9 years employed with XXXX of XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 198 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $XXXX = 72.40 months of reserves. 6 months required. |
| 83068 | XXXX | CA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active B | CRDINC3204 | Income Documentation Missing | No | Guidelines require the following for property with XXX in XXX: Refinance The market rent for the accessory unit should be documented on FNMA Form 1007 and the file must include a copy of the current lease with two (2) months proof of current receipt.Missing 2 months proof of current rent receipt from XXX (tenant). Clayton deems non-material/non-fatal to lending decision due to credit score of 753/700 minimum and over 61 months reserves/6 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid-score per CBR. 700 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 472 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 61.78 months of reserves in file. 6 months required. |
| 82973 | XXXX | NY | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing appraisal with supporting forms including the 1007 with market rents of XXX. | 3-3-25 Client uploaded 1007. | 3-3-25 Clayton reviewed 1007 supporting XXX per month fair market rents. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $19,447.03, 4.26 months; no reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 788 and 660 is minimum |
| 82973 | XXXX | NY | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Appraisal submitted with supervisory appraiser - Please have XXX added to Fraud report participant list with any alerts satisfied. | 3-4-25 Client uploaded fraud report. | 3-5-25 Clayton reviewed report. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $19,447.03, 4.26 months; no reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 788 and 660 is minimum |
| 82973 | XXXX | NY | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No | Missing appraisal with supporting forms including 1007 supporting value of at least XXX | 3-3-25 Client uploaded appraisal. | 3-3-25 Clayton reviewed appraisal with value of XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $19,447.03, 4.26 months; no reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 788 and 660 is minimum |
| 82973 | XXXX | NY | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. | 3-3-25 Client uploaded UCDP reports. | 3-3-25 Clayton reviewed UCDP reports which support use as updated valuation. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $19,447.03, 4.26 months; no reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 788 and 660 is minimum |
| 82974 | XXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid-score per CBR. 700 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 45 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41.67 months of reserves in file. 6 months required. |
| 82976 | XXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 2-19-25 Client uploaded Final HUD. | 2-19-25 Clayton reviewed and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $106,565, 12.78 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 758 and minimum is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on mortgages with over 5 years history. |
| 82976 | XXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan is not eligible for cash out because part of the proceeds are paying off a Line of Credit, see 1.4.1.3 (Page 26). The second lien being paid off is a line of credit secured by the subject property.Clayton considers this non material as the borrower has excellent credit with no mortgage lates in over 5 years with credit score of 758 and over 12 months reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $106,565, 12.78 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 758 and minimum is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on mortgages with over 5 years history. |
| 83213 | XXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Borrower has #XXXX loans they are refinancing exceeding max #4 allowed with XXX | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below max LTV of 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x37.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $320,523.90. CTC $5,672 leaves reserves of $314,851.88 or 108.89 mos. |
| 83214 | XXXX | SC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Waived C B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Per guidelines, maximum loan for lender is 4. Per information provided in credit file, Borrower is refinancing XXXX loans with lender. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 37 months when 12 months are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 qualifying score. Min required per guidelines is 725. |
| 83215 | XXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Borrower has #XXXX loans they are refinancing exceeding max #4 allowed with XXX | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 739 exceeds guidelines 700. |
| 83216 | XXXX | SC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | Credit report, dated XXX, exceeds 90 days as required by guidelines. | 03/04/2025 lender provided Credit Report, dated XXX. | 03/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 37 months when 12 months are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 qualifying score. Min required per guidelines is 725. |
| 83216 | XXXX | SC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Per guidelines, maximum number of loans with lender is 4. Per documentation, provided in credit file, borrower is refinancing XXXX loans with lender. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 37 months when 12 months are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 qualifying score. Min required per guidelines is 725. |
| 83218 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 qualifying score. Min required per guidelines is 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $136,105.55 or 92 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required. |
| 83220 | XXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 02/24/2025 lender provided Desk Review Report | 02/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 689 exceeds guidelines 625.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years. |
| 83221 | XXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $98,056.90 or 96.39 months PITI; guidelines do not require Reserves. |
| 83222 | XXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements |
| 83223 | XXXX | OH | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing final signed and notarized Mortgage. Copy in file was not executed. | 02/10/2025 lender provided Closing Package including Signed Mortgage and Notary 02/19/2025 lender provided Signed and Notarized Open-End Mortgage | 02/10/2025 Clayton response: Closing Package provided does not include executed and notarized Open-End Mortgage, Assignment of Rents and Security Agreement. Exception remains.02/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x21.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 742 exceeds min score requirement of 725. |
| 83223 | XXXX | OH | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Provide Borrower signed Mortgage to include completed Notary. | 02/10/2025 lender provided Closing Package including Signed Mortgage and Notary02/19/2025 lender provided Signed and Notarized Open-End Mortgage | 02/10/2025 Clayton response: Closing Package provided does not include executed and notarized Open-End Mortgage, Assignment of Rents and Security Agreement. Exception remains.02/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x21.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 742 exceeds min score requirement of 725. |
| 83223 | XXXX | OH | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Provide Borrower signed Mortgage to include completed Notary. | 02/10/2025 lender provided Closing Package including Signed Mortgage and Notary02/19/2025 lender provided Signed and Notarized Open-End Mortgage | 02/10/2025 Clayton response: Closing Package provided does not include executed and notarized Open-End Mortgage, Assignment of Rents and Security Agreement. Exception remains.02/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x21.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 742 exceeds min score requirement of 725. |
| 83224 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 45.83%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 qualifying score. Min required per guidelines is 675. |
| 83225 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 qualifying score. Min required per guidelines is 725.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: VOM shows no mortgage late payments |
| 83229 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total reserves verified $139,050.27 or 43.82 mos. |
| 83230 | XXXX | OH | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of 75% exceeds max LTV of 65% for DSCR score <1.0. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 694 exceeds min score requirement of 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x94. |
| 83233 | XXXX | NY | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Final 1003 reflects borrower as a XXX; however, SSN states "Valid For Work Only With DHS Authorization". Borrower also has a XXX. Please confirm, document and correct as needed. | 03/14/2025 lender provided Corrected 1003 | 03/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.20% is below max LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 698 exceeds min score requirement of 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 10 years. |
| 83233 | XXXX | NY | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 2 open tradelines less than 24 mos. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.20% is below max LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 698 exceeds min score requirement of 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 10 years. |
| 83233 | XXXX | NY | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Insurance | Satisfied D A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Missing Rent Loss coverage on Hazard Insurance policy. | 03/14/2025 lender provided Insurance Binder reflecting Rental Property Protection Plus as rental coverage | 03/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.20% is below max LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 698 exceeds min score requirement of 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 10 years. |
| 83234 | XXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 68.67% exceeds max LTV of 65% for a No Ratio DSCR. Lender exception approval provided for up to a 70% LTV. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $19,444.74. XXXX $13,333.06 leaves reserves of $6,111.68 or 1.22 mos. |
| 83235 | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 22 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x99. |
| 83236 | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years 8 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0 x 30 for 29 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 qualifying score. Min required per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 52% LTV, max 75% |
| 83238 | XXXX | NJ | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | DTI of 88.99% exceeds max DTI of 50%. Lender excluded new mtg pymt of XXX for 2nd mtg obtained on XXX. Labeled as a refi (funds used for closing); however there is a 1st mtg that was not paid off also included in DTI. | 03/18/2025 lender provided Updated ULAW & Approval and Updated ULAW reflecting changing to DSCR | 03/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 677 exceeds min score requirement of 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x33. |
| 83238 | XXXX | NJ | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2023 P&L stmt as per condition #4611 | 03/18/2025 lender provided Updated ULAW & Approval and Updated ULAW reflecting changing to DSCR | 03/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 677 exceeds min score requirement of 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x33. |
| 83240 | XXXX | NY | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves $3815.93 or 0.68 months. Required Reserves 6 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 7 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Rental payment history is for 24 months when 12 months are required. |
| 83242 | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 757 exceeds min score requirement of 750. |
| 83244 | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | Credit score of 699 does not meet minimum score of loan amount XXX. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 23 years and 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 10 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 92 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $2,236,014.37 or 90.89 months PITI, guidelines required 0 months PITI. |
| 83244 | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | DTI | Waived B | CRDDTI187 | Debt Ratio > 50% | No | DTI of 51.16% exceeds the maximum DTI of 50%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 23 years and 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 10 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 92 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $2,236,014.37 or 90.89 months PITI, guidelines required 0 months PITI. |
| 83245 | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing December 2024 Bank stmt used in income analysis review. Additional conditions may apply upon review. | 02/19/2025 lender provided Dec 2024 Bank Statement | 02/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 720 exceeds min score requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $17,385.09. CTC $7,300.36 leaves reserves of $10,084.73 or 6.75 mos<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x47.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX owner for over 20 years. |
| 83249 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds 600<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Below 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: In the profession for 21 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0 x 30 for 59 months when 12 months are required. |
| 83250 | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,349,509.41 or 260.49 months PITIA, guidelines required zero months PITIA. |
| 83254 | XXXX | NY | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing verification that the insurance coverage matches the full insurable value of the collateral and the insurance coverage of XXX is less than the loan amount of XXX | 02/26/2025 lender provided RCE | 02/26/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Rental payment history is 0 x 30 for 78 months when 12 months are required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history paid as agreed with zero default.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 6 years |
| 83256 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x58.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 736 exceeds min score requirement of 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 10 years 8 months. |
| 83257 | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 qualifying score. Min required per guidelines is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 15 years 1 month.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x31. |
| 83259 | XXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 693 exceeds guidelines 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $60,266 exceed guidelines $0. |
| 83261 | XXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below max LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 694 exceeds min score requirement of 675. |
| 83262 | XXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x40.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 763 exceeds min score requirement of 750. |
| 83263 | XXXX | WA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 11 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 658 qualifying score. Min required per guidelines is 650.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 25 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $671,761.19 or 124.74 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 46.42%, max per guidelines is 50%. |
| 83265 | XXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current rental occupied residence for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $48,918.11 or 16 months PITI, guidelines required XX months PITI. |
| 83269 | XXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 810 exceeds min credit score of 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x57.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets/reserves $30,498.83 or 14.59 mos, none required. |
| 83270 | XXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x57.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 810 exceeds min score requirement of 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $29,094.66 Funds to close $1,115.45 = post-closing reserves $27,979.21 or 13.32 mos, none required |
| 83271 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 804 exceeds min score requirement of 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x58.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 20.59% is below max DTI of 50% |
| 83273 | XXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 5/2010.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.33% is below guideline requirements of 75%. |
| 83274 | XXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITIA of $XXXXfor REO on XXX as stated on the final 1003. | 04/02/2025 lender provided PITI for REO | 04/02/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 exceeds guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,651,928 exceed guidelines $0. |
| 83274 | XXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount XXX exceeds the maximum of XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 exceeds guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,651,928 exceed guidelines $0. |
| 83274 | XXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | Waiver of escrows does not meet the maximum loan amount requirement of XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 exceeds guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,651,928 exceed guidelines $0. |
| 83275 | XXXX | NY | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 1 open tradeline | 3/10/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 765 exceeds min score requirement of 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below max LTV of 80%. |
| 83276 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 693 exceeds guidelines 625.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65% is below guideline requirements of 75%. |
| 83277 | XXXX | VA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 715 exceeds guidelines 650. |
| 83278 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 75% exceeds the maximum of 70% for DSCR < 1.0%. Lender approval in file. | client acknowledged exceptionFinal grade B | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $15,242 exceed guidelines $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 qualifying score. Min required per guidelines is 675. |
| 83279 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Below 70%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years in primary |
| 83280 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 706 exceeds min score requirement of 700. |
| 83283 | XXXX | KY | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 1 open tradelines | 3/21/25- Client acknowledged the exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 716 exceeds min score requirement of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 19 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $253,595.78. CTC $140,792.34 leaves reserves of $112,803.44 or 32.27 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.82% is below max DTI of 50%. |
| 83283 | XXXX | KY | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Income/Employment | Waived C B | CRDINC2488 | Verbal verification of employment missing | No | Missing CPA letter and/or business licenses and search for each business for XXX verification. | 3/21/25- Client responded- Per Sec IX (after Sec 5.21) the tax returns themselves serve as proof of XXXClayton response- Quoting the same GL per Sec IX (after Sec 5.21) two (2) years are required. File only contained 1 year of tax returns for both business and personal. Provided one of the following 1. Copy of the business license covering the current business year as of the date of the application. 2. Copy of the Articles of Incorporation, Operating Agreement, or Partnership Agreement with recorded filing date. 3. Tax Preparers Letter: Letter must be on tax preparer's letterhead; Tax preparers license verification, from municipal, state or federal licensing boards or proof of their business existence; and Signed letter from the borrower's tax preparer explaining: (i) tax preparer's relationship to the business; (ii) personal knowledge of the length of time the business has been in existence; and (iii) percentage of borrowers ownership in the business entity. 4. Two (2) years of business tax returns in the form of 1065, 1120 or 1120S and corresponding Schedule K1 (if applicable). 5. Two (2) years of business tax returns in the form of 1040 and corresponding Schedule C. Exception remains. 5/6/25- client responded- Sec 5.24 allows for a 1-year tax return option for XXX borrowers, the overall 2-year requirement has been removed from most recent guidelines dated XXX.Clayton response- Exception remains. Note date XXX which was prior to effective date of the new Seller guidelines XXX. Previous GL required 2 years documentation05/07/20325 client response: Updated ULAW with comp factor uploaded05/17/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for TI, Credit Score, Reserves and time at current address.05/20/2025 client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 716 exceeds min score requirement of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 19 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $253,595.78. CTC $140,792.34 leaves reserves of $112,803.44 or 32.27 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.82% is below max DTI of 50%. |
| 83284 | XXXX | GA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open/active tradeline; Guidelines require Borrower to have 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 qualifying score. Min required per guidelines is 675.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV75% File LTV 40.60% |
| 83285 | XXXX | CT | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Provide updated Master Hazard insurance policy. Current one expired XXX. Note date XXX. | 02/20/2025 lender response: Condo Master Policy uploaded reflecting effective date of XXX | 02/20/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.99% is below max LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x53.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 785 exceeds min score requirement of 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 28 years. |
| 83286 | XXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 669 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $80,518.93 or 22.83 months PITI, guidelines required 0 months PITI.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage and rental payment history is for 43 months when 12 months are required. |
| 83287 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x40.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 1x30x166. |
| 83288 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 14 years. |
| 83290 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Exceeds 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Exceeds 12 months |
| 83291 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 12 years. |
| 83294 | XXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.29%; max allowed per guidelines is 75%. |
| 83295 | XXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $112,050.43, none required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.20; max allowed per guidelines is 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0 x 30 for 33 months when 12 months are required. |
| 83296 | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 14 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $163,289.68 or 27.13 months PITI, guidelines required 0 months PITI. |
| 83297 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 42.86%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying score. Min required per guidelines is 750. |
| 83299 | XXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max LTV of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,207,870.46. Required reserves $0. |
| 83300 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 803 exceeds min score requirement of 750<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0X30X201. |
| 83301 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $306,496.31. CTC $283,763.73 leaves reserves of $22,732.58 or 6.54 mos.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.36% is below max LTV of 70%. |
| 83303 | XXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 669 qualifying score. Min required per guidelines is 650.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0 x 30 for 31 months when 12 months are required. |
| 83304 | XXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x99.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18.76% is below max DTI of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 716 exceeds min score requirement of 700. |
| 83305 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exceptionFinal grade B | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $48,203 exceed guidelines $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 qualifying score. Min required per guidelines is 700. |
| 83307 | XXXX | FL | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The leasehold documents for the property are missing. | 03/26/2025 lender provided Leasehold documents | 03/26/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score. Min required per guidelines is 750.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Mortgage payment reduction from interest only of $10,118.70 to $9,580.61.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $158,919 or 16.59 months PITI, guidelines required 0 months PITI. |
| 83307 | XXXX | FL | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3262 | Property issues indicated | No | Per appraisal, subject property was listed XXX and is currently temp off market as of XXX. Per guidelines, if the subject property has been listed in the last 6 months from the date of funding, the transaction is ineligible. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score. Min required per guidelines is 750.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Mortgage payment reduction from interest only of $10,118.70 to $9,580.61.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $158,919 or 16.59 months PITI, guidelines required 0 months PITI. |
| 83307 | XXXX | FL | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Per guidelines, lender will not lend against Leasehold properties. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score. Min required per guidelines is 750.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Mortgage payment reduction from interest only of $10,118.70 to $9,580.61.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $158,919 or 16.59 months PITI, guidelines required 0 months PITI. |
| 83307 | XXXX | FL | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Property Valuations | Property | Waived B | PRVAPROP2674 | Property Issues Indicated 2 | No | Per appraisal, property is vacant. Guidelines state lender does not originate loans where the subject property is vacant on refinances. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score. Min required per guidelines is 750.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Mortgage payment reduction from interest only of $10,118.70 to $9,580.61.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $158,919 or 16.59 months PITI, guidelines required 0 months PITI. |
| 83307 | XXXX | FL | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Property value not supported by desk review. Field review supports. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score. Min required per guidelines is 750.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Mortgage payment reduction from interest only of $10,118.70 to $9,580.61.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $158,919 or 16.59 months PITI, guidelines required 0 months PITI. |
| 83310 | XXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65% is below guideline requirements of 70%. |
| 83311 | XXXX | CA | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing verification that the hazard insurance coverage matches the maximum insurable value of the collateral property and the combined coverage amount is less than the loan amount. | 03/24/2025 lender response: RCE for both structures uploaded03/242025 Clayton response: RCE was not received. Please upload again.03/25/2025 lender provided RCE for both structures | 03/25/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years |
| 83311 | XXXX | CA | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds max of 65% for Cash Out Refinance at subject Loan Amount. Lender exception in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years |
| 83312 | XXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x99.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 729 exceeds min score requirement of 725. |
| 83313 | XXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.76%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified and stated cash reserves $$351,635.25 or 58.80 months PITI, guidelines required 0 months PITI. |
| 83315 | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 761 exceeds min score requirement of 750<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.94% is below max LTV of 75%. |
| 83317 | XXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 qualifying score. Min required per guidelines is 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX since 2015 |
| 83318 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x96.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 762 exceeds min score requirement of 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.40% is below max LTV of 70%. |
| 83319 | XXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 732 exceeds guidelines 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below guideline requirements of 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 8 years. |
| 83320 | XXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradelines; 3 open active tradelines are required. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: VOM shows good payment history |
| 83321 | XXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 31 years and 9 months.Co-Borrower has resided in current occupied residence for 27 years and 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 7 years and 1 month.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been XXX with XXX for 7 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.80%; max allowed per guidelines is 80%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 29 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $49,342.43 or 7.06 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.29%, max per guidelines is 50%. |
| 83322 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59%; max allowed per guidelines is 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 qualifying score. Min required per guidelines is 675.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory trades in the past 2 years |
| 83323 | XXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 16 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 qualifying score. Min required per guidelines is 675. |
| 83325 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 4 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $135,468.74 or 51.32 months PITIA, guidelines required 0 months PITIA. |
| 83326 | XXXX | NV | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds the maximum of 65% for No Ratio program. DSCR 0.7620% is below minimum of 0.80% to allow LTV 70%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 exceeds guidelines 650. |
| 83328 | XXXX | NY | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 80% is greater than the maximum allowed of 75% with credit score 657. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 3 years and 0x30 mortgage history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 657 qualifying score. Min required per guidelines is 650. |
| 83331 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 663 qualifying score. Min required per guidelines is 650. |
| 83332 | XXXX | NJ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | Credit score of 697 does not meet the requirement of 700 for ITIN. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 2 years and 2 months. |
| 83332 | XXXX | NJ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines, 12 months history is required. The credit report reflects 1 month. Credit file and credit report does not verify prior mortgage to Selene Finance as reflected on Fraud Report, for primary residence. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 2 years and 2 months. |
| 83332 | XXXX | NJ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines, maximum LTV for DSCR <1.00 is 70%. Subject transaction LTV is 75%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 2 years and 2 months. |
| 83333 | XXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 qualifying score. Min required per guidelines is 725.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 36 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $415,705.51 or 122.14 months PITI, guidelines required 0 months PITI. |
| 83334 | XXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing proof of XXX | 02/24/2025 lender provided Verification of Employment | 02/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x41.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 772 exceeds min score requirement of 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $123,459.67. CTC $93,323.38 leaves reserves of $30,136.29 or 11.38 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.99% is below max DTI of 50%. |
| 83335 | XXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 2/2/2013 (12 years).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 692 exceeds min score requirement of 675.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x14. |
| 83336 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $3,453.62. Required reserves $0 |
| 83338 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV for Rural location Purchase is 65%; Subject LTV is 74.99%. Lender exception is in the file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $93,558.49, none required. |
| 83339 | XXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at the same job for 6 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 8 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $308,570.34, none required. |
| 83341 | XXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 qualifying score. Min required per guidelines is 675. |
| 83344 | XXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 24.69% is below guideline requirements of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 782 exceeds guidelines 750. |
| 83345 | XXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 40 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 4/2016.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55.82% is below guideline requirements of 65%. |
| 83346 | XXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 14 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 681 exceeds min score requirement of 675. |
| 83347 | XXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing complete 1073 Appraisal report. | 03/05/2025 lender provided Appraisal | 03/05/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $391,954.29 less cash from borrower $272,559.51 equals $119,394.78 or 20.53 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 qualifying score. Min required per guidelines is 700. |
| 83348 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x49.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 699 exceeds min score requirement of 675. |
| 83349 | XXXX | HI | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 2 open tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 791 exceeds min score requirement of 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $747,164.71. CTC $167,653.81 leaves reserves of $579,510.90 or 118.48 mos |
| 83349 | XXXX | HI | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% exceeds max LTV of70% for STR. Lender exception provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 791 exceeds min score requirement of 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $747,164.71. CTC $167,653.81 leaves reserves of $579,510.90 or 118.48 mos |
| 83350 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min score requirement of 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x29.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $302,334.74. CTC $248,186.81 leaves reserves of $54,147.93 or 13.08 mos. |
| 83358 | XXXX | CA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower 1 is XXX and Borrower 2 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $76,585 exceed guidelines $0.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55% is below guideline requirements of 75%. |
| 83360 | XXXX | AZ | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject loan, this will be the XXXXth loan by this Borrower with this lender. Guidelines max is 4 open loans. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage payment history 0x30 since 6/2018.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 705 exceeds guidelines 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.68% is below guideline requirements of 60%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 7 years. |
| 83361 | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 47.92% is below guideline requirements of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years 6 months. |
| 83363 | XXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has lived at current residence for 10 years. |
| 83366 | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Per guidelines for DSCR <1, for refi, maximum LTV is 65%. Subject transaction is 66.70% LTV and less than <1, using rent schedule, the lower of the 2 . | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 22 months when 12 months are required. |
| 83367 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% exceeds max LTV of 65% for a No Ratio loan. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 798 exceeds min score requirement of 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x52<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $367,685. CTC $150,855.56 leaves reserves of $116,829.44 or 28.69 mos. |
| 83368 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 16 years 10 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $4,856.83. Required reserves $0. |
| 84093 | XXXX | FL | (No Data) | ATR/QM: Exempt B | B | B A | B | B | Compliance | Documentation | Waived B | CMPDOC5556 | Note P&I doesn't equal XXXXs calculated P&I; payment schedule inaccuracy | No | Note in file is a 30 year fixed rate fully amortized note in nature but the required payment is only sufficient to pay the interest and no principal. The loan was approved as an interest-only loan but the note states that the payments cover P&I even though the pymt amount is not sufficient. Note P&I: XXX- Calc P&I: XXX | client acknowledged exception | Final grade B | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Documented assets $185,018.41 funds to close $157,523.64 = Post-closing reserves $27,494.77, none required. |
| 84188 | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The Gift Letter from son associated with the $XXXX wire receipt of funds dated XXX is not in the loan file. | 05/27/2025 lender provided Gift Wire Receipt | 05/27/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is below max LTV of 75%. |
| 82977 | XXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid-score per CBR. 700 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 41 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 118 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42.43 months of reserves in file. 6 months required. |
| 83369 | XXXX | TX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | No documentation in file of the insurance providers estimated cost to rebuild and the insurance coverage amount is less than the loan amount. | 01/30/2025 Lender provided: RCE uploaded01/30/2025 Clayton response: RCE reviewed and Reconstruction Cost is XXX. Dwelling coverage on Hazard Insurance Policy is XXX. Exception remains for Insufficient Hazard Insurance Coverage.02/26/2025 Lender response: Forced Placed Hazard Insurance uploaded02/26/2025 Clayton response: Forced Placed Hazard Insurance Coverage is from XXX XXX. Provide acceptable Hazard Insurance Coverage with acceptable dates of coverage. Exception remains.03/03/2025 lender's response: Updated Insurance Declaration page uploaded03/03/2025 Clayton response: Declaration Page indicates coverage of XXX,which is insufficient with RCE of XXX, and policy has been canceled. Exception remains.05/22/2025 lender provided Insurance Declaration Page | 05/22/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at the same residence for 12 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrowers have good credit history with no recent late payments |
| 83375 | XXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Documentation in file shows that the borrower now has XXXX mortgage loans with XXX, a maximum of 4 loans to one borrower is permitted. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Good mortgage payment history |
| 60508 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | The Total of Payments value of XXX disclosed on final CD XXX does not match the review calculation of XXX. The variance of $894 is due to the addition of the Title-Intangible fee on the PCCDs. 130(b) or (c) cure: refund money to borrower in the amount understated, client permission, LOX and redisclosed CD; reopen rescission if the loan is rescindable | 4/25/2022: Lender provided CD XXX and final settlement statement confirming the disbursement date as XXX. After review from Sr. Compliance, the addition of the Intangible Tax in section C after the Consummation CD is causing the discrepancy. Testing for TOP calculation is based on the Pg 5 disclosure at Consummation, that figure cannot be increased after the fact regardless whether it is before disbursement date. Exception remains.4/27/2022: Lender provided LOE, refund check for $894, PCCD XXX, proof of delivery and new ROR form with expiration date of XXX Exception will satisfy after the end of the new rescission period. | 5/2/2022: Exception satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.720%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 qualifying score. Min required per guidelines is 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 24 months are required. |
| 60508 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The orig file does not contain a third party fraud report. | 12/17/2021 lender provided XXX Fraud Reporting | 12/17/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.720%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 qualifying score. Min required per guidelines is 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 24 months are required. |
| 60508 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insufficient Hazard Insurance Coverage. $XXXX referenced amount. XXX loan amount required. | 1.7.2022- Lender provide Florida policy reflecting replacement cost is XXX | 1.7.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.720%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 qualifying score. Min required per guidelines is 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 24 months are required. |
| 60508 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD score of 14 is outside of variance of 10. Clayton ordered Desk Review on behalf of Client | 12/21/2021 CDA Desk Review received from XXXX supporting appraisal value. | 12/21/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.720%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 qualifying score. Min required per guidelines is 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 24 months are required. |
| 60539 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 4 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV MAX: 75% LTV: 65.030%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $28,483.69 plus cash to borrower $2,719.60 equals $31,203.29 or 20.50 months PITIA. No months required due to 65.030% LTV. |
| 60595 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR1911 | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. | 1/21/2022: Lender re-opened rescission and provided the correct ROR form that expires on XXX. The cure is LOX, TIL or CD, proof of delivery, and correct version of XXX to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery. Exception remains.1/31/2022: Lender provided PCCD XXX, correct ROR form (2), LOX and proof of delivery. Exception will satisfy when the new rescission period is over. | 2/3/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 65% MAX LTV: 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $13,386.99 or 13.19 months PITIA. Reserves not required due to 65% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.68%, Max 50% |
| 60595 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | CA AVM dated XXX with an estimated value of XXX and confidence score of 50. AVM FSD of 50, exceeded max of 10. Desk Review is required. Clayton ordered on behalf of client. | 12/10/2021 VRA Desk Review received from Service 1st supporting appraisal value. | 12/10/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 65% MAX LTV: 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $13,386.99 or 13.19 months PITIA. Reserves not required due to 65% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.68%, Max 50% |
| 60613 | XXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrowers primary residence is owned F/C, and CBR with no Mortgage history since 1/2018. GL require a 2 year history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804, min 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $163,085.69 less cash from borrower $97,950.18 equals $65,135.51 or 27.22 months PITIA. 6 months reserves ($14,356.20) required for LTV > 75%. Total reserves required: $18,468.60 |
| 60613 | XXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has only 1 open/active tradeline, GL state must have min credit depth of (3) acceptable tradelines aged individually for a min of (2) years for LTVs > 65%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804, min 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $163,085.69 less cash from borrower $97,950.18 equals $65,135.51 or 27.22 months PITIA. 6 months reserves ($14,356.20) required for LTV > 75%. Total reserves required: $18,468.60 |
| 60613 | XXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. Clayton ordered on behalf of client. | 1/31/2022- XXX AVM support appraised value. | 1/31/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804, min 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $163,085.69 less cash from borrower $97,950.18 equals $65,135.51 or 27.22 months PITIA. 6 months reserves ($14,356.20) required for LTV > 75%. Total reserves required: $18,468.60 |
| 83376 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the (XXX) Fema Disaster- (Hurricane XXX) | 04/16/2025 lender provided PDI Report | 04/16/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 39.13%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $989, 3644.51 or 58.64 months PITIA, guidelines required 0 months PITIA |
| 83379 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance fees increased by $2,157.50 at or prior to closing without a valid reason; insufficient credit of $1,842.60 provided on PCCD XXX. | 1.10.25-Client provided 2 copies of PCCD issued XXX, this PCCD was originally provided & utilized in the original review.Appraisal Fee increased from $850 to $1000 and Transfer Taxes increased from $5500 to $7507.50, total increase of $2157.50.$2157.50 - Cure of $1842.60 = Remaining balance to cure Zero Tol $314.90.1.20.25-Client provided PCCD issued XXX, copy of refund check & tracking information. | 1.10.25-Exception Remains.1.20.25-Exception Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 4 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years and 0 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 43.44% |
| 83379 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Title Commitment indicates one open mortgage lien on subject property. Mortgage statements and Credit Report indicates there is an open Note on subject property. PCCD does not indicates the open mortgage was paid in full. Provide Final Title Policy to confirm the only open mortgage lien on subject property is this newly opened mortgage dated XXX. | 01/23/2025 Lender response: Trustee is specifically named on title and also signed the purchase contract. XXX Lending accepts this at face value that she can sign the contract without a separate verification of trust.01/23/2025 Clayton response: lender response did not include the Final Title Policy. Please provided Final Title Policy.03/27/2025 lender provided Final Title Policy | 03/27/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 4 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years and 0 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 43.44% |
| 83380 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 years and 0 months in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 19.93%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score. Min required per guidelines is 725. |
| 83381 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 days prior to Closing. | 2.13.25-Client provided Initial CD issued & e-signed on XXX. | 2.13.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $1,562,502.85 less cash from borrower $256,881.25 equals $1,305,621.60 or 176.55 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 0 months at current residence. |
| 83381 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 days prior to Closing. | 2.13.25-Client provided Initial CD issued & e-signed on XXX. | 2.13.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $1,562,502.85 less cash from borrower $256,881.25 equals $1,305,621.60 or 176.55 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 0 months at current residence. |
| 83383 | XXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance of $1176.30 due to 920.80 Credit Report fee & $255.50 Transfer Taxes fee increased with no/valid reason in file. Cure of $297.50 applied with a remaining balance due of $878.80. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 2.28.25-Client provided COC XXX stating reason for Credit Report fee increase. | 2.28.25-Exception Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX XXXX for over 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 656 exceeds min score requirement of 650. |
| 83383 | XXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Property Valuations | Appraisal | Waived C B | PRVAAPPR151 | Appraisal dated beyond acceptable date range per guidelines | No | Appraisal dated XXX is over 120 days old from Note date XXX. Missing re-cert of value. | 03/26/2025 lender response: Updated ULAW with comp factors uploaded03/26/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factor for Credit Score and years XXX.03/27/2025 client acknowledged exception | 03/27/2025 Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX XXXX for over 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 656 exceeds min score requirement of 650. |
| 83384 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 7 years and 4 months in current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 677 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 7.44% |
| 83387 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 35 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 40 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 44%LTV, Max is 65% |
| 83389 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradeline accounts; guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 qualifying score. Min required per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70% File LTV 26.32%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 33.28% |
| 83389 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | FEMA | Waived C B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Wildfires and Straight-Line Winds. | 03/12/2025 Client provided XXX fire map reflecting subject property is not located near any fires. | 03/12/2025 Clayton's final grade B due to FEMA declaration including the entire county not just the areas with fires. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 qualifying score. Min required per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70% File LTV 26.32%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 33.28% |
| 83392 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash out $6,800.00 for rate and term refinance exceeds the maximum of $5,000.00. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage payment history 0x30 since 6/2023.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 705 exceeds guidelines 650. |
| 84197 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed with XXX for 7 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $236,822.18 or 35.83 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16.64%, max per guidelines is 50%. |
| 83396 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | FEMA | Waived C B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the FEMA Disaster-XXX-Wildfires and Straight-Line Winds. | Client provided XXX fire map reflecting subject property is not located near any fires. | Clayton's final grade B due to FEMA declaration including the entire county not just the areas with fires. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 23 years 3 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Coborrower has Significant time in profession, 19 years 3 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $93,116.60. Required reserves $82,102.98.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x84. |
| 83397 | XXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below max LTV of 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 14 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $300,041.53. CTC $196,453.69 leaves reserves of $103,587.84 or 27.88 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.83% is below max DTI of 50%. |
| 83398 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business day prior to Closing. | 3.6.25-Client provided Initial CD issued XXX & e-signed XXX. | 3.6.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 738 exceeds min score requirement of 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $826,734.82. CTC $325,646.68 leaves reserves of $501,088.14 or 40.43 mos. 12 mos required. |
| 83398 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business day prior to Closing. | 3.6.25-Client provided Initial CD issued XXX & e-signed XXX. | 3.6.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 738 exceeds min score requirement of 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $826,734.82. CTC $325,646.68 leaves reserves of $501,088.14 or 40.43 mos. 12 mos required. |
| 83398 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amt of XXX exceeds max allowable of XXX for XXX. Lender exception provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 738 exceeds min score requirement of 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $826,734.82. CTC $325,646.68 leaves reserves of $501,088.14 or 40.43 mos. 12 mos required. |
| 83399 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date of XXX; disbursement date per Final CD indicate loan disbursed date of XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. | 2.14.25-Client provided Borrower Hardship Letter dated XXX waiving 3 day rescission period. | 2.14.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 45% is below guideline requirements of 75%. |
| 83399 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Right of Rescission | Waived B | CMPROR5360 | ROR - Waiver used to fund loan prior to the end of the rescission period | No | Borrower Hardship Letter dated XXX waiving 3 day rescission period. | 2.25.25-Client acknowledged tradeline exception. | 2.24.25-Final Grade B. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 45% is below guideline requirements of 75%. |
| 83399 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing bank statements from XXX #XXX for August and September 2024 to complete income calculation. | 03/12/2025 lender provided Bank Statements | 03/12/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 45% is below guideline requirements of 75%. |
| 83401 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 43.76%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 717 exceeds guidelines 700. |
| 83403 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing the VVOE for B1 dated within 10 calendar days of Note date XXX. | 04/11/2025 lender response: VVOE uploadedXXX Clayton response: VVOE was not received. Please upload again.04/11/2025 lender provided VVOE. | 04/11/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.72% is below guideline requirements of 75%. |
| 83403 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide the Grant Deed conveying property to include Borrower 2 XXX. | 04/11/2025 lender response: Uploading title supp showing she has been added; the actual deed is a function of title. | 04/11/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.72% is below guideline requirements of 75%. |
| 83405 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 683 exceeds min score requirement of 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $136,911.20. Required reserves $26,217.06. |
| 83406 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD to include proof of receipt 3 business days prior to Closing. | 2.13.25-Client provided Initial CD issued & e-signed XXX. | 2.13.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58% is below max LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 721 exceeds min score requirement of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.36% is below max DTI of 50%. |
| 83406 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD to include proof of receipt 3 business days prior to Closing. | 2.13.25-Client provided Initial CD issued & e-signed XXX | 2.13.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58% is below max LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 721 exceeds min score requirement of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.36% is below max DTI of 50%. |
| 83406 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD to include proof of receipt 3 business days prior to Closing. | 2.13.25-Client provided Initial CD issued & e-signed XXX | 2.13.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58% is below max LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 721 exceeds min score requirement of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.36% is below max DTI of 50%. |
| 83406 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Property Valuations | FEMA | Waived C B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the Fema Disaster- XXX-Wildfires and Straight-Line Winds. | 02/19/2025 lender response: PDI Waiver Letter uploaded02/19/2025 Clayton response: PDI Waiver Letter identifies the address of XXX,, , which is not the security address. Exception remains.02/21/2025 Client provided XXX fire map reflecting subject property is not located near any fires. | 02/21/2025 Clayton's final grade B due to FEMA declaration including the entire county not just the areas with fires. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58% is below max LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 721 exceeds min score requirement of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.36% is below max DTI of 50%. |
| 83407 | XXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Provide the bank statement fromXXXX #XXX/#XXX to complete the 12 months required to calculate income. (Feb 2024) | 03/12/2025 lender provided Bank Statements | 03/12/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $111,504 exceed guidelines $29,468.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 10 years. |
| 83409 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 2.14.25-Client provided Initial CD issued & e-signed XXX | 2.14.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 7 years and 0 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 45.71% |
| 83409 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 2.14.25-Client provided Initial CD issued & e-signed XXX. | 2.14.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 7 years and 0 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 45.71% |
| 83411 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves equals XXXX3 or 6.11 months PITIA. Reserves of 12 months are required. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years and 3 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 685 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 43% File 29.83% |
| 83412 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post-closing cash reserves $21,939.10/3.82. 6 months reserves required. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 87 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 41.36%, max per guidelines is 50%. |
| 83414 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide verification of CPA. | 02/26/2025 lender provided CPA Verification | 02/26/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 0 months in current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 qualifying score. Min required per guidelines is 650.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 29.80% |
| 83419 | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV for XXX is 80%, loan approved at 85%. Exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting to credit<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.04%, max per guidelines is 50%. |
| 83420 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 14 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 668 exceeds min score requirement of 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.95% is below max LTV of 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x99. |
| 83422 | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 801 exceeds min score requirement of 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62% is below max LTV of 80%. |
| 83423 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | FEMA | Waived C B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the FEMA Disaster- 1/8/2025- Wildfires and Straight-Line Winds. | Client provided XXX fire map reflecting subject property is not located near any fires. | Clayton's final grade B due to FEMA declaration including the entire county not just the areas with fires. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 20 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage payment history 0x30 since 9/2017.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 62.50% is below guideline requirements of 75%. |
| 83428 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 43% File 9.54%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 1 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $1,392,059.65 less cash from $110,423.31 equals $1,281,636.34 or 546.26 months PITIA. |
| 83429 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 3.6.25-Client provided Initial CD issued & e-signed XXX | 3.6.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 30 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.41% is below guideline requirement 50%. |
| 83429 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 3.6.25-Client provided Initial CD issued & e-signed XXX | 3.6.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 30 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.41% is below guideline requirement 50%. |
| 83430 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 1 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 24.36%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67.92%; max allowed per guidelines is 85%. |
| 83431 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.66% is below max DTI of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at subject property for over 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX owner for over 7 years. |
| 83432 | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | State Consumer Protection | Waived B | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | No | Provide SC Home Loans - Broker 'Amounts Earned' Disclosure. | 3.12.25-Client Acknowledged Tradeline Exception. | 3.12.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.50%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 qualifying score. Min required per guidelines is 675.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 4 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 22 years. |
| 83432 | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 3.12.25-Client provided Initial CD issued & e-signed XXX | 3.12.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.50%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 qualifying score. Min required per guidelines is 675.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 4 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 22 years. |
| 83432 | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 3.12.25-Client provided Initial CD issued & e-signed XXX | 3.12.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.50%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 qualifying score. Min required per guidelines is 675.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 4 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 22 years. |
| 83433 | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 744 exceeds guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $485,608.66. Cash to close $349,894.26 with reserves $135,714.40 or 11.66 mos. No reserves required. |
| 83434 | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | State Consumer Protection | Waived B | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | No | Provide SC Home Loans - Broker 'Amounts Earned' Disclosure. | 3.7.25-Client acknowledged tradeline exception. | 3.7.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $123,939.98or 46 months PITIA, guidelines required 0 months PITIA. |
| 83435 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years and 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 27 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 685 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 29.60% |
| 83436 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.17% is below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B2 has mortgage payment history 0x30 since 6/2014.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 780 exceeds guidelines 675. |
| 83437 | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 33.85%; max allowed per guidelines is 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $2,745,916.59 or 675.01 months PITIA, guidelines required 0 months PITIA. |
| 83439 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing one of the below per guidelines - Copy of the business license covering the current business year as of the date of the application.-Copy of the Articles of Incorporation, Operating Agreement, or Partnership Agreement with recorded filing date.-Tax Preparers Letter: Letter must be on tax preparer's letterhead;-Tax preparers license verification, from municipal, state or federal licensing boards or proof of their business existence; and-Signed letter from the borrower's tax preparer explaining: tax preparer's relationship to the business; Personal knowledge of the length of time the business has been in existence; and percentage of borrowers ownership in the business entity. | 04/04/2025 lender response: Operating Agreement showing single member LLC uploaded | 04/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 7.54%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 770 exceeds min score requirement of 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0X30X57. |
| 83441 | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 2 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qualifying score. Min required per guidelines is 725. |
| 83442 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% is above the maximum allowed for loan amount > XXX of 65%. Lender approval in file. | 03/26/2025 lender response: Updated ULAW with comp factors uploaded03/26/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factor for DTI, Reserves, time in profession.03/26/2025 client acknowledged exception | 03/26/2025 Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 3.31% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $4,692,936 exceed guidelines of $0.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 10 years. |
| 83442 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount XXX exceeds the maximum allowed of XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 3.31% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $4,692,936 exceed guidelines of $0.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 10 years. |
| 83443 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines, XXX does not extend credit where the primary wage earner has one (1) or less credit scores, unless LTV =65% LTV, 2 year full document, and housing history 24 mos at 0\*30. Borrower does not have prior housing history. Lender provided an exception. | 3/11/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $90,203.16 or 78.02 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 9.54%, max per guidelines is 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX as XXX for 5 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 661 qualifying score. Min required per guidelines is 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 24.39%; max allowed per guidelines is 70%. |
| 83443 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, two (2) acceptable tradelines aged individually for a 24 month minimum is required. If minimum credit depth is not met, Underwriter may review for compliance with the One Score / No Score / No Depth program while requiring 24 month housing history. Borrower has one tradeline that meets 24 month minimum. Borrower does not have 24 month housing history. Exception from lender did not include tradelines. | 3/11/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $90,203.16 or 78.02 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 9.54%, max per guidelines is 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX as XXX for 5 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 661 qualifying score. Min required per guidelines is 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 24.39%; max allowed per guidelines is 70%. |
| 83444 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below guideline requirements of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $16,447,581 exceed guidelines $86,503.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 10 years. |
| 83445 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 11 years and 11 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 29.20% |
| 83446 | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.50% is below guideline requirement of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 7 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been XXX in the same profession for 25 years. |
| 83447 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 2.20.25-Client provided Initial CD issued & e-signed XXX | 2.20.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.58% is below max LTV of 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x28. |
| 83447 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 2.20.25-Client provided Initial CD issued & e-signed XXX.2.20.25-Provide proof LE issued XXX was received XXX.2.21.25-3 day Mail Rule applies to Final LE issued XXX. Final LE received after Initial CD. Provide proof LE was received before Initial CD.2.27.25-Client provided LE issued & e-signed XXX. | 2.20.25-Exception Remains.2.21.25-Exception Remains.2.27.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.58% is below max LTV of 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x28. |
| 83447 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines a minimum credit depth of (a) three (3) acceptable tradelines aged individually for a 12 month minimum OR (b) two (2) acceptable tradelines aged individually for a 24 month minimum is required was not met. Exception in file for rate of 7.75% and 99.063 pricing, 1 tradeline. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.58% is below max LTV of 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x28. |
| 83447 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Terms/Guidelines | Waived B | CRDTER4643 | Borrower does not meet guideline requirements | No | FTHB marked on final 1003 not allowed on WVOE program per guidelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.58% is below max LTV of 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x28. |
| 83449 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | VOR provided covers rent history XXX. Provide the prior two months rental history XXX & XXX for full 12 month housing history. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 4.52% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $364,980 exceed guidelines $0. |
| 83449 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The Desk Review was based on appraisal dated XXX with value XXX. This appraisal provided only pages 1-5. Provide the complete appraisal with value XXX that the desk review was based upon. | 03/04/2025 lender response: Appraisal uploaded03/05/2025 lender provided Appraisal | 03/04/2025 Appraisal was not received. Please upload again.03/05/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 4.52% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $364,980 exceed guidelines $0. |
| 83452 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 710 qualifying score. Min required per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.53%; max allowed per guidelines is 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 11 years |
| 83453 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.15% is below max DTI of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.21% is below max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min score requirement of 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $33,582.75, none required. |
| 83454 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $61,714.66. Cash to close $41,822.60 with reserves $19,892.06. Required reserves $2,453.27 x 12 = $29,439.24 short reserves $9,547.18. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.05% is below guideline requirement of 50%. |
| 83454 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.05% is below guideline requirement of 50%. |
| 83454 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV 90% exceeds the maximum of 80% for 1099 program. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.05% is below guideline requirement of 50%. |
| 83456 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.69% is below max LTV of 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed since 1/1/2018 (7 years 1 month). |
| 83457 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing the complete appraisal, file contains pages 1-3 only. Provide the complete appraisal. | 03/12/2025 lender provided Appraisal | 03/12/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50.92% is below guideline requirements of 70%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.77% is below guideline requirement of 43%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has rented primary residence for 15 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 16 years. |
| 83462 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Lease agreements in file total do not match what was used to qualify/ listed on final 1003 totaling XXX for addt'l REO's Unable to correctly calculated final DTI. Additional conditions may apply. | 04/09/2025 lender response: UW appears to not have used the Sec 8 and other municipal housing assistance, taking a very conservative route for qualification. A second review of the available income would lower the DTI so will just use UW figures, coming up with XXX. Guidelines are silent on public assistance but XXX will use 100% of what is shown on any updated form that reflects an increase in overall rents. Below is the breakdown we have. XXXX 3000 + 2759 + 2155 = 7914 XXXX 2800 + 2116 + 2012 = 6928 XXXX 2900 + 1882 + 1133 + 2150 = 8065 XXXX 2600 + 1771 + 2080 = 6451 XXXX 2636 + 2147 + 2653 = 7436 XXXX 2600 + 2529 + 300 + 2502 = 7931 XXXX 2740 + 1915 + 1911 = XXXX 2407 + 2225 + 2416 + 2365 = 9413 XXXX 1893 + 2165 + 2615 = 6673 XXXX 2598 + 3000 + 2098 = 7696 48th 3488 + 3258 = 6749 $XXXX total | 04/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below guideline requirements of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $127,880 exceed guidelines $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 exceeds guidelines 650. |
| 83463 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.73% is below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 3/2008.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 10 years. |
| 83464 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 1 open tradeline | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 exceeds min score requirement of 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17% is below max DTI of 50%. |
| 83465 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $350,044.52 CTC $177,093.58 leaves $172,950.94 or 32.97 mos for reserves. GL required $0.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 36 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below max LTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 812 exceeds min score requirement of 750. |
| 83466 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide CD issued XXX, missing pages 4 & 5. | 3.6.25- Client provided XXX XXX log and client stated "referenced CD was never sent to the borrower, it was simply an estimated settlement statement for balancing." | 3.6.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.99% is below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 677 exceeds guidelines 650. |
| 83466 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $135 due to Discount Points fee increased with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 3.6.25-Client provided COC XXX stating Discount Points fee increased. | 3.6.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.99% is below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 677 exceeds guidelines 650. |
| 83467 | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | Borrower only has 19 mos of commission income verified. Lender exception provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 682 exceeds min score requirement of 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $104,137.57. CTC $71,871.62 leaves reserves of $32,265.95 or 18.86 mos.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.50% is below max LTV of 80% |
| 83468 | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 791 exceeds min score requirement of 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x30. |
| 83469 | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 24 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 39.77%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $102.327.95 or 26.37 months PITI, guidelines required 6 months PITI. |
| 83470 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 18.56% is below guideline requirement of 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 23 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 772 exceeds guidelines 750. |
| 83471 | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | DTI | Waived B | CRDDTI187 | Debt Ratio > 50% | No | DTI 50.77% exceeds the maximum of 50.49%. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below guideline requirements of 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 729 exceeds guidelines 700. |
| 83472 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has rented prior residence for 12 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 31.13% is below guideline requirements of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.47% is below guideline requirement of 50%. |
| 83474 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $XXXXCash to close $167,203.13 with reserves $34,434.46. Required reserves $41,293.74 short reserves $6,859.28. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.48% is below guideline requirement of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 716 exceeds guidelines 700. |
| 83475 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan Amount of $XXXX does not meet Guidelines requirement to round down to $50 increments. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 1 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 37.3% |
| 84213 | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $28,455.95 funds to close $23,866.29 = Post-closing reserves $4,589.66, none required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 50.7% LTV, Max 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI 37.86%, Max 50.49% |
| 84216 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Missing proof of payoff of charged off account with XXX#XXX XXXX XXX or proof a payment plan, with account seasoned for a minimum of three (3) months with timely payments confirmed to have been made by creditor / credit supplement / cancelled checks | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.14% is below maximum of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 662 exceeds min score requirement of 650.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years 11 months. |
| 84216 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | No Length of mortgage/rental history considered on case by case basis. Lender Exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.14% is below maximum of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 662 exceeds min score requirement of 650.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years 11 months. |
| 84217 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-borower has significant time at current residence, 11 years 7 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 6/17/2015 (9 years 10 months).<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $91,041.97. Required reserves $42,399.06.. |
| 84275 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 17 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 9 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $171,476.86 Funds to close $130,006.98 = Post-closing reserves $41,469.88, required reserves are $30,584.04. |
| 84281 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Per guidelines, the maximum LTV is 80%. Loan closed with LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Per guidelines, the minimum credit score is 640. Loan closed with a credit score of 748.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $163,637.60 CTC $151,301.81 leaves reserves of $12,335.79 or 2.98 mos. Reserves required $0.00 mos. |

---

## Exhibit 99.19

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.19**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM3** |
| **Start - End Dates:** | **12/9/2021 - 5/23/2025** |
| **Deal Loan Count:** | **270** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *270* |
| ***Loans with Conditions:*** | *115* |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 82869 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 83047 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82870 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83048 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82871 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 82872 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82873 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 82874 | Yes | XXXX | XXXX C B A | A | A C B | A | A | Not Applicable |
| 82875 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82877 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82879 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 82881 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82882 | Yes | XXXX | XXXX C B A | A | A C B | A | A | Yes |
| 82884 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83065 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83049 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82889 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82890 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82891 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82892 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82893 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82895 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 82896 | Yes | XXXX | XXXX D B A | A | A D B | A | A | Not Applicable |
| 83063 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83069 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82897 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82898 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 82900 | Yes | XXXX | XXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 82901 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 82902 | Yes | XXXX | XXXX D A | A | A D | A | A | No |
| 82903 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83050 | Yes | XXXX | XXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 82904 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 82905 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 82907 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 83059 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82908 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82910 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 82911 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82912 | Yes | XXXX | XXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 82915 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82916 | Yes | XXXX | XXXX D A | A | A D | A | A | No |
| 82917 | Yes | XXXX | XXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 82918 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82919 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82920 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83052 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83053 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82921 | Yes | XXXX | XXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 82922 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 82923 | Yes | XXXX | XXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 83054 | Yes | XXXX | XXXX C A B | N/A | N/A C B | N/A | N/A | Not Applicable |
| 83045 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82924 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 82925 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82926 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82927 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 82929 | Yes | XXXX | XXXX D A | D | A D | D | A | No |
| 82930 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 82931 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82932 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82934 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83061 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 82936 | Yes | XXXX | XXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 82937 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82938 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82939 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82941 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82944 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82945 | Yes | XXXX | XXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 82947 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82948 | Yes | XXXX | XXXX C B A | N/A | N/A C B | N/A | N/A | Yes |
| 82949 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 82951 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 82952 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82954 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82955 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83514 | Yes | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 82958 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82960 | Yes | XXXX | XXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 82961 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 82962 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82964 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82965 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83060 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82966 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 82967 | Yes | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 83062 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83068 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 82973 | Yes | XXXX | XXXX D A C | N/A | N/A D C | N/A | N/A | Not Applicable |
| 82974 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 82976 | Yes | XXXX | XXXX D B A | A | A D B | A | A | Not Applicable |
| 83213 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 83214 | Yes | XXXX | XXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 83215 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 83216 | Yes | XXXX | XXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 83218 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Yes |
| 83220 | Yes | XXXX | XXXX D A | A | A D | A | A | No |
| 83221 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 83222 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83223 | Yes | XXXX | XXXX D A | N/A | N/A D | N/A | N/A | Yes |
| 83224 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83225 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Yes |
| 83229 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 83230 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 83233 | Yes | XXXX | XXXX D B A | A | A D B | A | A | No |
| 83234 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 83235 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83236 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83238 | Yes | XXXX | XXXX D A | N/A | N/A D | N/A | N/A | Yes |
| 83240 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83242 | Yes | XXXX | XXXX A | A | A | A | A | Yes |
| 83244 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83245 | Yes | XXXX | XXXX D A | A | A D | A | A | Yes |
| 83249 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83250 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83254 | Yes | XXXX | XXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 83256 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 83257 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83259 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83261 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83262 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83263 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83265 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83269 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83270 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83271 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83273 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 83274 | Yes | XXXX | XXXX D B A | N/A | N/A D B | N/A | N/A | Yes |
| 83275 | Yes | XXXX | XXXX B A | A | A B | A | A | No |
| 83276 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83277 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 83278 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83279 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83280 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Yes |
| 83283 | Yes | XXXX | XXXX C B A | A | A C B | A | A | No |
| 83284 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 83285 | Yes | XXXX | XXXX C A | A | A C | A | A | No |
| 83286 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83287 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83288 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83290 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83291 | Yes | XXXX | XXXX A | A | A | A | A | Yes |
| 83294 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83295 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83296 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83297 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83299 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83300 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83301 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 83303 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83304 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 83305 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 83307 | Yes | XXXX | XXXX D B C | N/A | N/A D B C | N/A | N/A | Not Applicable |
| 83310 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83311 | Yes | XXXX | XXXX C B A | N/A | N/A C B | N/A | N/A | Yes |
| 83312 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 83313 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83315 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83317 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Yes |
| 83318 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83319 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83320 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 83321 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83322 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83323 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83325 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83326 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 83328 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83331 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83332 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 83333 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83334 | Yes | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 83335 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83336 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83338 | Yes | XXXX | XXXX B A | A | A B | A | A | No |
| 83339 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83341 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83344 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83345 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83346 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83347 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 83348 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83349 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83350 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83358 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 83360 | Yes | XXXX | XXXX B A | A | A B | A | A | No |
| 83361 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83363 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83366 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 83367 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83368 | Yes | XXXX | XXXX A | A | A | A | A | Yes |
| 84093 | Yes | XXXX | XXXX B A | B | B A | B | B | Not Applicable |
| 84188 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 82977 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 83369 | Yes | XXXX | XXXX C A | N/A | N/A C | N/A | N/A | No |
| 83375 | Yes | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 60508 | Yes | XXXX | XXXX D B A | C | B D A | C | B | Yes |
| 60539 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 60595 | Yes | XXXX | XXXX D B A | C | B D A | C | B | Not Applicable |
| 60613 | Yes | XXXX | XXXX D B A | A | A D B | A | A | Not Applicable |
| 83376 | Yes | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 83379 | Yes | XXXX | XXXX C B A | C | B C A | C | B | Not Applicable |
| 83380 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83381 | Yes | XXXX | XXXX C A | C | A C | C | A | Not Applicable |
| 83383 | Yes | XXXX | XXXX C B A | C | B C A | C | B | No |
| 83384 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83387 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83389 | Yes | XXXX | XXXX C B | A | A C B | A | A | Not Applicable |
| 83392 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 84197 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83396 | Yes | XXXX | XXXX C B A | A | A C B | A | A | No |
| 83397 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83398 | Yes | XXXX | XXXX C B A | C | A C B | C | A | Not Applicable |
| 83399 | Yes | XXXX | XXXX D B A | C | B D A | C | B | No |
| 83401 | Yes | XXXX | XXXX A | A | A | A | A | Yes |
| 83403 | Yes | XXXX | XXXX D A | A | A D | A | A | No |
| 83405 | Yes | XXXX | XXXX A | A | A | A | A | Yes |
| 83406 | Yes | XXXX | XXXX D B A C | D | A D B C | D | A | No |
| 83407 | Yes | XXXX | XXXX D A | A | A D | A | A | No |
| 83409 | Yes | XXXX | XXXX C A | C | A C | C | A | Not Applicable |
| 83411 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 83412 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 83414 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 83419 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83420 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83422 | Yes | XXXX | XXXX A | A | A | A | A | Yes |
| 83423 | Yes | XXXX | XXXX C B A | A | A C B | A | A | No |
| 83428 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83429 | Yes | XXXX | XXXX C A | C | A C | C | A | No |
| 83430 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83431 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83432 | Yes | XXXX | XXXX C B A | C | B C A | C | B | No |
| 83433 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83434 | Yes | XXXX | XXXX B A | B | B A | B | B | Not Applicable |
| 83435 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83436 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83437 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83439 | Yes | XXXX | XXXX C A | A | A C | A | A | Yes |
| 83441 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83442 | Yes | XXXX | XXXX C B A | A | A C B | A | A | Yes |
| 83443 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83444 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83445 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83446 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83447 | Yes | XXXX | XXXX C B A | C | A C B | C | A | Yes |
| 83449 | Yes | XXXX | XXXX D B A | A | A D B | A | A | No |
| 83452 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83453 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83454 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83456 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83457 | Yes | XXXX | XXXX D A | A | A D | A | A | No |
| 83462 | Yes | XXXX | XXXX C A | A | A C | A | A | No |
| 83463 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83464 | Yes | XXXX | XXXX B A | A | A B | A | A | No |
| 83465 | Yes | XXXX | XXXX A | A | A | A | A | Yes |
| 83466 | Yes | XXXX | XXXX D B A | D | B D A | D | B | No |
| 83467 | Yes | XXXX | XXXX B A | A | A B | A | A | Yes |
| 83468 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83469 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 83470 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83471 | Yes | XXXX | XXXX B A | A | A B | A | A | No |
| 83472 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 83474 | Yes | XXXX | XXXX B A | A | A B | A | A | No |
| 83475 | Yes | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 84213 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 84216 | Yes | XXXX | XXXX B A | A | A B | A | A | No |
| 84217 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 84275 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 84281 | Yes | XXXX | XXXX A | A | A | A | A | No |

---

## Exhibit 99.20

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.20**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MFA 2025-NQM3 |
| **Start - End Dates:** | 12/9/2021 - 5/23/2025 |
| **Deal Loan Count:** | 270 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *270* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 82869 | XXXX | Cash Reserves | 166399.20 | 33444.56 |
| 82869 | XXXX | Months Reserves | 16.00 | 16.27 |
| 82869 | XXXX | Property Type | Detached PUD | Attached PUD |
| 82869 | XXXX | Total Cash Out | XXXX | XXXX |
| 83048 | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 83048 | XXXX | Total Cash Out | XXXX | XXXX |
| 82871 | XXXX | Disbursement Date | XXXX | XXXX |
| 82871 | XXXX | Total Cash Out | XXXX | XXXX |
| 82872 | XXXX | Total Cash Out | XXXX | XXXX |
| 82873 | XXXX | Borrower DSCR Percent | 1.6757 | 1.8815 |
| 82873 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82873 | XXXX | Total Cash Out | XXXX | XXXX |
| 82874 | XXXX | Cash Reserves | 48996.69 | 427588.84 |
| 82874 | XXXX | Disbursement Date | XXXX | XXXX |
| 82874 | XXXX | Months Reserves | 4.00 | 56.33 |
| 82875 | XXXX | Cash Reserves | 86930.55 | 12886.48 |
| 82875 | XXXX | Combined LTV | 77.17 | 80.00 |
| 82875 | XXXX | Months Reserves | 3.00 | 5.09 |
| 82875 | XXXX | Total Cash Out | XXXX | XXXX |
| 82877 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82881 | XXXX | Borrower 1 Total Income | 5358.44 | 5321.66 |
| 82881 | XXXX | Total Cash Out | XXXX | XXXX |
| 82881 | XXXX | Total Monthly Income | 5358.44 | 5321.66 |
| 82884 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82889 | XXXX | Cash Reserves | 1143975.39 | 1005056.25 |
| 82889 | XXXX | Months Reserves | 332.00 | 332.49 |
| 82889 | XXXX | Next Payment Change Date | XXXX | XXXX |
| 82889 | XXXX | Product Type | 7/1 ARM | 7/6 ARM |
| 82889 | XXXX | Total Cash Out | XXXX | XXXX |
| 82890 | XXXX | Cash Reserves | 573838.00 | 294171.63 |
| 82890 | XXXX | Months Reserves | 52.00 | 51.23 |
| 82890 | XXXX | Property Type | Detached PUD | Attached PUD |
| 82890 | XXXX | Total Cash Out | XXXX | XXXX |
| 82891 | XXXX | Original Appraised Value | XXXX | XXXX |
| 82891 | XXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 82893 | XXXX | Cash Reserves | 791885.98 | 107548.69 |
| 82893 | XXXX | Months Reserves | 15.00 | 10.22 |
| 82893 | XXXX | Total Cash Out | XXXX | XXXX |
| 82895 | XXXX | Total Cash Out | XXXX | XXXX |
| 83063 | XXXX | Total Cash Out | XXXX | XXXX |
| 82898 | XXXX | Total Cash Out | XXXX | XXXX |
| 82900 | XXXX | Borrower DSCR Percent | 1.5767 | 1.8583 |
| 82900 | XXXX | Cash Reserves | 161753.00 | 15315.76 |
| 82900 | XXXX | Months Reserves | 9.00 | 8.62 |
| 82900 | XXXX | Total Cash Out | XXXX | XXXX |
| 82901 | XXXX | Total Cash Out | XXXX | XXXX |
| 82902 | XXXX | Cash Reserves | 512507.08 | 299300.28 |
| 82902 | XXXX | Months Reserves | 95.00 | 82.74 |
| 82902 | XXXX | Total Cash Out | XXXX | XXXX |
| 82903 | XXXX | Cash Reserves | 11470.66 | 145377.57 |
| 83050 | XXXX | Credit Report Date | XXXX | XXXX |
| 83050 | XXXX | Representative Credit Score for Grading | 723 | 736 |
| 83050 | XXXX | Total Cash Out | XXXX | XXXX |
| 82904 | XXXX | Borrower DSCR Percent | 1.5031 | 1.0523 |
| 82904 | XXXX | Disbursement Date | XXXX | XXXX |
| 82904 | XXXX | Next Payment Change Date | XXXX | XXXX |
| 82904 | XXXX | Product Type | 7/1 ARM | 7/6 ARM |
| 82904 | XXXX | Total Cash Out | XXXX | XXXX |
| 82905 | XXXX | Cash Reserves | 549754.86 | 29721.86 |
| 82905 | XXXX | Months Reserves | 12.00 | 3.27 |
| 82905 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82905 | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 82905 | XXXX | Total Cash Out | XXXX | XXXX |
| 82907 | XXXX | Property Type | SFR | SFR-Attached |
| 83059 | XXXX | Cash Reserves | 54331.80 | 4809.07 |
| 83059 | XXXX | Months Reserves | 3.00 | 3.06 |
| 83059 | XXXX | Total Cash Out | XXXX | XXXX |
| 82908 | XXXX | Cash Reserves | 368932.02 | 58522.98 |
| 82908 | XXXX | Months Reserves | 89.00 | 21.68 |
| 82908 | XXXX | Total Cash Out | XXXX | XXXX |
| 82910 | XXXX | Cash Reserves | 98207.17 | 20814.61 |
| 82910 | XXXX | Combined LTV | 75.51 | 80.00 |
| 82910 | XXXX | Months Reserves | 6.00 | 6.66 |
| 82910 | XXXX | Total Cash Out | XXXX | XXXX |
| 82911 | XXXX | Cash Reserves | 120000.00 | 62470.84 |
| 82911 | XXXX | Months Reserves | 34.00 | 34.64 |
| 82911 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82911 | XXXX | Original Appraised Value | XXXX | XXXX |
| 82911 | XXXX | Property Type | SFR | Detached PUD |
| 82911 | XXXX | Total Cash Out | XXXX | XXXX |
| 82912 | XXXX | Cash Reserves | 146948.00 | 41439.47 |
| 82912 | XXXX | Combined LTV | 63.05 | 73.00 |
| 82912 | XXXX | Months Reserves | 18.00 | 18.32 |
| 82912 | XXXX | Total Cash Out | XXXX | XXXX |
| 82915 | XXXX | Cash Reserves | 2800222.63 | 2140949.37 |
| 82915 | XXXX | Months Reserves | 128.00 | 135.46 |
| 82915 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82915 | XXXX | Total Cash Out | XXXX | XXXX |
| 82916 | XXXX | Cash Reserves | 107082.53 | 162453.30 |
| 82916 | XXXX | Combined LTV | 76.52 | 80.00 |
| 82916 | XXXX | Months Reserves | 33.00 | 101.38 |
| 82916 | XXXX | Total Cash Out | XXXX | XXXX |
| 82917 | XXXX | Cash Reserves | 6905.29 | 162669.42 |
| 82917 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82918 | XXXX | Cash Reserves | 55026.49 | 22229.36 |
| 82918 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82918 | XXXX | Total Cash Out | XXXX | XXXX |
| 82920 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82920 | XXXX | Original Appraised Value | XXXX | XXXX |
| 83053 | XXXX | Borrower 2 First Name | XXXX | XXXX |
| 83053 | XXXX | Cash Reserves | 48675.47 | 4242.24 |
| 83053 | XXXX | Combined LTV | 63.68 | 80.00 |
| 83053 | XXXX | Months Reserves | 5.00 | 3.63 |
| 83053 | XXXX | Representative Credit Score for Grading | 777 | 800 |
| 83053 | XXXX | Total Cash Out | XXXX | XXXX |
| 82921 | XXXX | Cash Reserves | 75187.98 | 3435.73 |
| 82921 | XXXX | Months Reserves | 1.00 | 1.78 |
| 82921 | XXXX | Total Cash Out | XXXX | XXXX |
| 82923 | XXXX | Total Cash Out | XXXX | XXXX |
| 83054 | XXXX | Cash Reserves | 18437.00 | 118044.29 |
| 83054 | XXXX | Months Reserves | '-40.00 | 42.19 |
| 83054 | XXXX | Total Cash Out | XXXX | XXXX |
| 82924 | XXXX | Borrower 1 Total Income | 23812.26 | 24511.77 |
| 82924 | XXXX | Cash Reserves | 254357.06 | 35924.77 |
| 82924 | XXXX | Months Reserves | 8.00 | 10.14 |
| 82924 | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 82924 | XXXX | Total Cash Out | XXXX | XXXX |
| 82924 | XXXX | Total Monthly Income | 23812.26 | 24511.77 |
| 82925 | XXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 82926 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82926 | XXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 82927 | XXXX | Cash Reserves | 200764.87 | 26316.00 |
| 82927 | XXXX | Months Reserves | 6.00 | 6.17 |
| 82927 | XXXX | Total Cash Out | XXXX | XXXX |
| 82929 | XXXX | Borrower 1 Total Income | 60628.48 | 60993.09 |
| 82929 | XXXX | Cash Reserves | 514176.51 | 253153.74 |
| 82929 | XXXX | Combined LTV | 71.77 | 75.00 |
| 82929 | XXXX | Disbursement Date | XXXX | XXXX |
| 82929 | XXXX | Months Reserves | 41.00 | 41.16 |
| 82929 | XXXX | Total Cash Out | XXXX | XXXX |
| 82929 | XXXX | Total Monthly Income | 60628.48 | 60993.09 |
| 82930 | XXXX | Property Type | Detached PUD | Attached PUD |
| 82931 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82932 | XXXX | Disbursement Date | XXXX | XXXX |
| 82932 | XXXX | Total Cash Out | XXXX | XXXX |
| 83061 | XXXX | Cash Reserves | 145016.63 | 111281.41 |
| 83061 | XXXX | Combined LTV | 49.34 | 80.00 |
| 83061 | XXXX | Months Reserves | 77.00 | 77.45 |
| 83061 | XXXX | Total Cash Out | XXXX | XXXX |
| 82936 | XXXX | Cash Reserves | 195644.89 | 37457.85 |
| 82936 | XXXX | Months Reserves | 21.00 | 11.31 |
| 82936 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82936 | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 82936 | XXXX | Total Cash Out | XXXX | XXXX |
| 82938 | XXXX | Cash Reserves | 618006.69 | 544396.74 |
| 82938 | XXXX | Months Reserves | 166.00 | 166.14 |
| 82938 | XXXX | Total Cash Out | XXXX | XXXX |
| 82939 | XXXX | Cash Reserves | 5033.27 | 118295.16 |
| 82939 | XXXX | Months Reserves | 6.00 | 97.27 |
| 82941 | XXXX | Cash Reserves | 520300.22 | 179514.22 |
| 82941 | XXXX | Combined LTV | 61.69 | 65.00 |
| 82941 | XXXX | Months Reserves | 37.00 | 36.86 |
| 82941 | XXXX | Total Cash Out | XXXX | XXXX |
| 82945 | XXXX | Cash Reserves | 172567.29 | 82744.44 |
| 82945 | XXXX | Months Reserves | 2.00 | 17.92 |
| 82945 | XXXX | Total Cash Out | XXXX | XXXX |
| 82947 | XXXX | Cash Reserves | 81085.41 | 11513.78 |
| 82947 | XXXX | Months Reserves | 7.00 | 7.37 |
| 82947 | XXXX | Total Cash Out | XXXX | XXXX |
| 82948 | XXXX | Credit Report Date | XXXX | XXXX |
| 82949 | XXXX | Cash Reserves | 192477.81 | 44030.15 |
| 82949 | XXXX | Combined LTV | 73.49 | 80.00 |
| 82949 | XXXX | Months Reserves | 7.00 | 7.74 |
| 82949 | XXXX | Total Cash Out | XXXX | XXXX |
| 82951 | XXXX | Disbursement Date | XXXX | XXXX |
| 82951 | XXXX | Total Cash Out | XXXX | XXXX |
| 82952 | XXXX | Cash Reserves | 84231.11 | 16312.60 |
| 82952 | XXXX | Months Reserves | 4.00 | 5.68 |
| 82952 | XXXX | Total Cash Out | XXXX | XXXX |
| 82954 | XXXX | Cash Reserves | 30655.72 | 1640.81 |
| 82954 | XXXX | Combined LTV | 72.99 | 80.00 |
| 82954 | XXXX | Credit Report Date | XXXX | XXXX |
| 82954 | XXXX | Months Reserves | 2.00 | 1.55 |
| 82954 | XXXX | Property Type | SFR | SFR-Attached |
| 82954 | XXXX | Total Cash Out | XXXX | XXXX |
| 82955 | XXXX | Cash Reserves | 181936.57 | 74165.05 |
| 82955 | XXXX | Months Reserves | 19.00 | 19.39 |
| 82955 | XXXX | Total Cash Out | XXXX | XXXX |
| 83514 | XXXX | Borrower 1 Total Income | 30370.82 | 29622.23 |
| 83514 | XXXX | Total Monthly Income | 30370.82 | 29622.23 |
| 82958 | XXXX | Borrower 1 Self Employed Flag | Yes | No |
| 82958 | XXXX | Cash Reserves | 85404.60 | 6366.91 |
| 82958 | XXXX | Combined LTV | 72.32 | 75.00 |
| 82958 | XXXX | Months Reserves | 4.00 | 3.67 |
| 82958 | XXXX | Total Cash Out | XXXX | XXXX |
| 82960 | XXXX | Cash Reserves | 111559.00 | 36623.18 |
| 82960 | XXXX | Months Reserves | 16.00 | 16.44 |
| 82960 | XXXX | Total Cash Out | XXXX | XXXX |
| 82961 | XXXX | Cash Reserves | 204170.76 | 4590.58 |
| 82961 | XXXX | Combined LTV | 67.15 | 70.00 |
| 82961 | XXXX | Credit Report Date | XXXX | XXXX |
| 82961 | XXXX | Months Reserves | 7.00 | 1.36 |
| 82961 | XXXX | Property Type | SFR | SFR-Attached |
| 82961 | XXXX | Total Cash Out | XXXX | XXXX |
| 82962 | XXXX | Cash Reserves | 60115.99 | 1807.79 |
| 82962 | XXXX | Months Reserves | 1.00 | 0.99 |
| 82962 | XXXX | Total Cash Out | XXXX | XXXX |
| 82964 | XXXX | Cash Reserves | 211520.58 | 92400.00 |
| 82964 | XXXX | Combined LTV | 57.81 | 60.00 |
| 82964 | XXXX | First Payment Date | XXXX | XXXX |
| 82964 | XXXX | Maturity Date | XXXX | XXXX |
| 82964 | XXXX | Months Reserves | 32.00 | 32.18 |
| 82964 | XXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 82964 | XXXX | Total Cash Out | XXXX | XXXX |
| 82965 | XXXX | Cash Reserves | 68015.10 | 126561.30 |
| 82965 | XXXX | Months Reserves | 27.00 | 48.68 |
| 82965 | XXXX | Original Appraisal Date | XXXX | XXXX |
| 82965 | XXXX | Representative Credit Score for Grading | 754 | 808 |
| 82965 | XXXX | Total Cash Out | XXXX | XXXX |
| 83060 | XXXX | Disbursement Date | XXXX | XXXX |
| 83060 | XXXX | Total Cash Out | XXXX | XXXX |
| 82966 | XXXX | Cash Reserves | 58192.95 | 12201.81 |
| 82966 | XXXX | Months Reserves | 8.00 | 8.38 |
| 82966 | XXXX | Total Cash Out | XXXX | XXXX |
| 82967 | XXXX | Cash Reserves | 249961.05 | 104775.57 |
| 82967 | XXXX | Months Reserves | 25.00 | 26.46 |
| 82967 | XXXX | Total Cash Out | XXXX | XXXX |
| 83062 | XXXX | Cash Reserves | 746785.16 | 584529.99 |
| 83062 | XXXX | Months Reserves | 176.00 | 72.40 |
| 83062 | XXXX | Total Cash Out | XXXX | XXXX |
| 83068 | XXXX | Cash Reserves | 117569.39 | 367106.59 |
| 83068 | XXXX | Months Reserves | 6.00 | 61.78 |
| 83068 | XXXX | Next Payment Change Date | XXXX | XXXX |
| 83068 | XXXX | Product Type | 7/1 ARM | 7/6 ARM |
| 82973 | XXXX | Cash Reserves | 370697.00 | 19447.03 |
| 82973 | XXXX | Months Reserves | 4.00 | 4.26 |
| 82973 | XXXX | Total Cash Out | XXXX | XXXX |
| 82976 | XXXX | Disbursement Date | XXXX | XXXX |
| 82976 | XXXX | Total Cash Out | XXXX | XXXX |
| 83213 | XXXX | Product Type | 5/1 I/O ARM | 30 Yr Fixed Interest Only |
| 83216 | XXXX | Product Type | 5/1 I/O ARM | 30 Yr Fixed Interest Only |
| 83234 | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 83238 | XXXX | Debt to Income Ratio (Back) | 36.1000 | 0.0000 |
| 83240 | XXXX | Debt to Income Ratio (Back) | 44.9000 | 48.8940 |
| 83244 | XXXX | Debt to Income Ratio (Back) | 43.5000 | 51.1635 |
| 83244 | XXXX | Representative Credit Score for Grading | 700 | 699 |
| 83245 | XXXX | Debt to Income Ratio (Back) | 43.9000 | 47.2092 |
| 83245 | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 83274 | XXXX | Debt to Income Ratio (Back) | 51.1000 | 46.9314 |
| 83280 | XXXX | Borrower DSCR Percent | 1.1330 | 1.0321 |
| 83287 | XXXX | Representative Credit Score for Grading | 752 | 757 |
| 83310 | XXXX | Representative Credit Score for Grading | 661 | 670 |
| 83313 | XXXX | Number of Units | 2 | 1 |
| 83313 | XXXX | Representative Credit Score for Grading | 794 | 797 |
| 83317 | XXXX | Debt to Income Ratio (Back) | 39.4000 | 34.4440 |
| 83320 | XXXX | Product Type | 5/1 I/O ARM | 5 Yr IO, Fixed Rate |
| 83344 | XXXX | Representative Credit Score for Grading | 798 | 782 |
| 83366 | XXXX | Borrower DSCR Percent | 1.0140 | 0.8673 |
| 83366 | XXXX | Representative Credit Score for Grading | 780 | 784 |
| 84093 | XXXX | Product Type | 30 Yr Fixed Interest Only | 30 Yr Fixed |
| 83375 | XXXX | Debt to Income Ratio (Back) | 9.1000 | 32.9001 |
| 83375 | XXXX | First Rate Change Date | XXXX | XXXX |
| 60508 | XXXX | Origination Date | XXXX | XXXX |
| 60508 | XXXX | Total Monthly Income | 11349.31 | 11351.72 |
| 60539 | XXXX | Origination Date | XXXX | XXXX |
| 60539 | XXXX | Total Monthly Income | 9200.00 | 9600.00 |
| 60595 | XXXX | Origination Date | XXXX | XXXX |
| 83399 | XXXX | Debt to Income Ratio (Back) | 28.9000 | 40.7366 |
| 83406 | XXXX | Debt to Income Ratio (Back) | 45.2000 | 35.3645 |
| 83406 | XXXX | First Rate Change Date | XXXX | XXXX |
| 83419 | XXXX | Debt to Income Ratio (Back) | 39.7000 | 33.0446 |
| 83420 | XXXX | Debt to Income Ratio (Back) | 43.4000 | 27.3847 |
| 83422 | XXXX | Debt to Income Ratio (Back) | 79.3000 | 46.1998 |
| 83436 | XXXX | Combined LTV | 72.20 | 75.00 |
| 83436 | XXXX | Original LTV | 72.20 | 75.00 |
| 83436 | XXXX | Sales Price | XXXX | XXXX |
| 83439 | XXXX | Debt to Income Ratio (Back) | 10.8000 | 7.5413 |
| 83456 | XXXX | Debt to Income Ratio (Back) | 37.0000 | 33.0950 |
| 83474 | XXXX | First Rate Change Date | XXXX | XXXX |
| 84213 | XXXX | Representative Credit Score for Grading | 760 | 765 |
| 84216 | XXXX | Debt to Income Ratio (Back) | 38.2000 | 30.1539 |
| 84275 | XXXX | Debt to Income Ratio (Back) | 40.7000 | 44.0716 |

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## Exhibit 99.21

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.21**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM3** |
| **Start - End Dates:** | **12/9/2021 - 5/23/2025** |
| **Deal Loan Count:** | **270** |
| **ATR QM Upload** |  |
| Loans in Report: | 270 |

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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 | 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 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **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** | **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** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **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 Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **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** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **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** |
| 82869 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2055.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2225.00 | No | (No Data) | 1.0827 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83047 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7436 | Yes | Yes | 1.785 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.13 | 37.13 | 37.13 | 37.13 | 37.13 | 37.13 | No | No | (No Data) | 12762.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 36 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 82870 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8038.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 9200.00 | No | (No Data) | 1.1445 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83048 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1295.92 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1385.00 | No | (No Data) | 1.0687 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82871 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2116.36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.1813 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82872 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2265.67 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.2358 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82873 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1700.77 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.8815 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82874 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7590.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7712.00 | No | (No Data) | 1.0160 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82875 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2529.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.1860 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82877 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4442.6 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5900.00 | No | (No Data) | 1.3281 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82879 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7353.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7400.00 | No | (No Data) | 1.0063 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82881 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7642 | Yes | Yes | 4.477 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.5 | 39.77 | 39.5 | 39.77 | 39.77 | 39.77 | No | No | (No Data) | 3205.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (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) | Yes | 12 | 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) | Award Letter - 12 months;<br> Business Bank Statements - 12 months;<br> Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 82882 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1935.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0332 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82884 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1174.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.8737 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83065 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1936.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.4977 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83049 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1329.23 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1285 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82889 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2418 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3022.81 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.7609 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82890 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5741.97 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (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) | Yes | No | (No Data) | (No Data) | Yes | 4366.00 | No | (No Data) | 0.7604 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82891 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | 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 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4244.35 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4600.00 | No | (No Data) | 1.0838 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82892 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6495.96 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 7500.00 | 1.1546 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 82893 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10522.7 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7900.00 | No | (No Data) | 0.7508 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82895 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1513.56 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.3875 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82896 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2134.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1711 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83063 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3045.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4400.00 | No | (No Data) | 1.4447 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83069 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1404.63 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.4239 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82897 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1350.02 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.3330 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82898 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8408.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8550.00 | No | (No Data) | 1.0169 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82900 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1775.82 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.8583 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82901 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1196.65 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.0028 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82902 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3617.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.8570 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82903 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1622.58 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0477 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83050 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5049.68 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6500.00 | No | (No Data) | 1.2872 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 82904 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3764 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5665.48 | No | (No Data) | No | (No Data) | No | No | (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) | Yes | No | (No Data) | (No Data) | Yes | 5962.00 | No | (No Data) | 1.0523 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82905 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9092.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10500.00 | No | (No Data) | 1.1548 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82907 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11603.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 12000.00 | No | (No Data) | 1.0341 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83059 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1572.53 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0811 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82908 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2699.18 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.9262 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82910 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3124.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.6005 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82911 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1803.64 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.3306 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82912 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2261.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.2160 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82915 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4900 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -15805.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 12000.00 | No | (No Data) | 0.7592 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82916 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1602.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.1858 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82917 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1360.12 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.4337 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82918 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1584.48 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.0098 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82919 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9491.83 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 9988.00 | 1.0523 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 82920 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2822.6 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.3463 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83052 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2191.37 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.3690 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83053 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1168.92 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.4543 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 82921 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1932.71 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2034.00 | No | (No Data) | 1.0524 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82922 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3333.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.9599 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82923 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1987.53 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1990.00 | 1.0012 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83054 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2797.61 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.8936 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83045 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2616.7 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.9554 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82924 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.8498 | No | No | 3.08 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.75 | 44.32 | 45.75 | 44.32 | 44.32 | 44.32 | No | No | (No Data) | 13647.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 26 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 - 26 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 82925 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5403.12 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 0.8329 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82926 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1457.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0295 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82927 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4262.05 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.7508 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82929 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2597 | Yes | Yes | 2.005 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.8 | 17.45 | 18.8 | 17.45 | 17.45 | 17.45 | No | No | (No Data) | 50351.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 82930 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2144.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.1890 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82931 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1486.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 4792.00 | No | (No Data) | 3.2228 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82932 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3479.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4750.00 | No | (No Data) | 1.3653 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82934 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2388.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.1724 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83061 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1436.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.2179 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82936 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3312.13 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.7548 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 82937 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1381.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1560.00 | No | (No Data) | 1.1293 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82938 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3276.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 0.8392 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82939 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1216.16 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 1.0689 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82941 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 4 Family | 4 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4870.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 1.0677 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82944 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1397.08 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.2884 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82945 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4616.53 | No | (No Data) | No | (No Data) | No | Yes | (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) | Yes | No | (No Data) | (No Data) | Yes | 6700.00 | No | (No Data) | 1.4513 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82947 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1561.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.0566 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82948 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4186.19 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4700.00 | No | (No Data) | 1.1227 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82949 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 3 Family | 3 | 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 | 7.8751 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5687.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5700.00 | No | (No Data) | 1.0023 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82951 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4480.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5900.00 | No | (No Data) | 1.3170 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82952 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2869.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.3241 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82954 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1059.88 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1375.00 | No | (No Data) | 1.2973 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82955 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3825.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.0195 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83514 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.2837 | No | No | 4.425 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.37 | 43.81 | 43.37 | 43.81 | 43.81 | 43.81 | No | No | (No Data) | 16645.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 82958 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1734.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1530 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82960 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2227.11 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.0327 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82961 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3369.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.1872 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82962 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1834.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0083 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82964 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2871.78 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.0098 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82965 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2599.8 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4280.00 | No | (No Data) | 1.6463 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83060 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2348.43 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3350.00 | No | (No Data) | 1.4265 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82966 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1455.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.1679 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82967 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3960.05 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3250.00 | No | (No Data) | 0.8207 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83062 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | Yes | No | 3.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.7 | 0 | 42.7 | 42.7 | 42.7 | (No Data) | (No Data) | (No Data) | 8603.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months; | (No Data) | (No Data) | (No Data) |
| 83068 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2396 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5942.37 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5950.00 | No | (No Data) | 1.0013 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82973 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4570.39 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.0502 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 82974 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5142.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 11800.00 | No | (No Data) | 2.2948 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 82976 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8337.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 1.1994 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83213 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | 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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2891.4 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3500.00 | 1.2104 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83214 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2087.5 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2850.00 | 1.3652 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83215 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2003.84 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.4971 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83216 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | 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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2044.6 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.4672 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83218 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1479.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.2842 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83220 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2283.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.8759 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83221 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 9.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1017.28 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.7694 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83222 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 9.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1077.29 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.9516 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83223 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2234.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2600.00 | 1.1634 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83224 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1210.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.6528 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83225 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9991 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10955.2 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 9450.00 | No | (No Data) | 0.8626 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83229 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3173.04 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2800.00 | 0.8824 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 83230 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 11.1250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1837.77 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 0.8162 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83233 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.1250 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2310.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.1037 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83234 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4994.22 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3750.00 | No | (No Data) | 0.7508 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83235 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3138.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3750.00 | No | (No Data) | 1.1948 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83236 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2016.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0910 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83238 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6918.56 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7400.00 | No | (No Data) | 1.0696 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83240 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.8750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.89 | 0 | 48.89 | 48.89 | 48.89 | (No Data) | (No Data) | (No Data) | 9189.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 96 months; | (No Data) | (No Data) | (No Data) |
| 83242 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5639.28 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5750.00 | 1.0196 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83244 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 51.16 | 0 | 51.16 | 51.16 | 51.16 | (No Data) | (No Data) | (No Data) | 40265.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 288 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 288 months; | (No Data) | (No Data) | (No Data) |
| 83245 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.21 | 0 | 47.21 | 47.21 | 47.21 | (No Data) | (No Data) | (No Data) | 4195.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 336 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 83249 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.33 | 0 | 44.33 | 44.33 | 44.33 | (No Data) | (No Data) | (No Data) | 28551.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 83250 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5180.6 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 1.0040 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83254 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4076.55 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4175.00 | No | (No Data) | 1.0240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83256 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13629.79 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 14593.75 | 1.0707 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83257 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1838.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 83259 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1434.36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1475.00 | No | (No Data) | 1.0283 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83261 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2333.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3150.00 | 1.3497 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83262 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.49 | 0 | 47.49 | 47.49 | 47.49 | (No Data) | (No Data) | (No Data) | 9941.69 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 83263 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 11.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.42 | 0 | 46.42 | 46.42 | 46.42 | (No Data) | (No Data) | (No Data) | 95683.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 110 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | CPA Letter without Income - 110 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 83265 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3057.52 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.0465 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 83269 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2090.22 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.0046 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83270 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2099.77 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.0001 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83271 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | Yes | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 20.59 | 0 | 20.59 | 20.59 | 20.59 | (No Data) | (No Data) | (No Data) | 62224.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 83273 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1667.32 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.5593 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83274 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7500 | 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) | 0 | 46.93 | 0 | 46.93 | 46.93 | 48.07 | (No Data) | (No Data) | (No Data) | 60113.48 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | CPA Letter without Income - 36 months;<br> P & L - 12 months; | (No Data) | (No Data) |
| 83275 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3899.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0257 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83276 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2321.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.0122 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83277 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2162.76 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.1559 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83278 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 10.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1441.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.9712 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83279 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3051.9 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.0158 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83280 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5231.87 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5400.00 | 1.0321 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83283 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 27.82 | 0 | 27.82 | 27.82 | 27.82 | (No Data) | (No Data) | (No Data) | 10478.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 83284 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1996.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0015 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83285 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2161.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1564 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83286 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 11.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3527.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.1340 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83287 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5646.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5645.00 | 1.0000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83288 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4295.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4300.00 | No | (No Data) | 1.0010 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83290 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 10.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1587.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.1340 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83291 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2113.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.9938 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83294 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6768.96 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6100.00 | No | (No Data) | 0.9012 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83295 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3198.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.0005 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83296 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6018.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | Yes | 9300.00 | No | (No Data) | 1.5451 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83297 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1963.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0184 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83299 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3073.37 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2875.00 | No | (No Data) | 0.9354 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83300 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11700.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 9990.00 | No | (No Data) | 0.8538 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83301 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3473.25 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3650.00 | No | (No Data) | 1.0508 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83303 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3248.68 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.0160 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83304 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 18.76 | 0 | 18.76 | 18.76 | 18.76 | (No Data) | (No Data) | (No Data) | 214917.41 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) |
| 83305 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3096.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.0009 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83307 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9640.61 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 12018.00 | No | (No Data) | 1.2466 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 83310 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1662.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.2634 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83311 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -19611.9 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 21500.00 | No | (No Data) | 1.0963 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83312 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3173.69 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4010.00 | 1.2635 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 83313 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5979.88 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 1.1705 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 83315 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1813.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1029 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83317 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.6250 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.44 | 0 | 34.44 | 34.44 | 34.44 | (No Data) | (No Data) | (No Data) | 15209.5 | No | (No Data) | Yes | XXXX | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 13 | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months; | Business Bank Statements - 13 months; | (No Data) | (No Data) |
| 83318 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8502.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8500.00 | No | (No Data) | 0.9996 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83319 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1291.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.1227 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83320 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3613.28 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.1070 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83321 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.29 | 0 | 26.29 | 26.29 | 26.29 | (No Data) | (No Data) | (No Data) | 57743.76 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) |
| 83322 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3380.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3650.00 | No | (No Data) | 1.0796 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83323 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1919.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.0157 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83325 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2639.8 | No | (No Data) | No | (No Data) | No | No | (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) | Yes | No | (No Data) | (No Data) | Yes | 6448.00 | No | (No Data) | 2.4426 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83326 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2624.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 83328 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4570.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5150.00 | No | (No Data) | 1.1268 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83331 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5185.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.1570 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83332 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 9.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3973.41 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 0.8305 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83333 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3403.5 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.1752 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83334 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.99 | 0 | 40.99 | 40.99 | 40.99 | (No Data) | (No Data) | (No Data) | 9450.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 83335 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.17 | 0 | 31.17 | 31.17 | 31.17 | (No Data) | (No Data) | (No Data) | 41114.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 83336 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2298.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.0004 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83338 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1682.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0101 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83339 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.8750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.01 | 0 | 6.01 | 6.01 | 6.01 | (No Data) | (No Data) | (No Data) | 211723.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months; | (No Data) | (No Data) | (No Data) |
| 83341 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 8.29 | 0 | 8.29 | 8.29 | 8.29 | (No Data) | (No Data) | (No Data) | 199505.68 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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 Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 83344 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3176.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | No | (No Data) | Yes | 3746.66 | 1.1794 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83345 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1643.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.0039 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83346 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3622.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 83347 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5816.55 | No | (No Data) | No | (No Data) | No | No | (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) | Yes | No | (No Data) | (No Data) | Yes | 6023.00 | No | (No Data) | 1.0354 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83348 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4475.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0701 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83349 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4891.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 7145.00 | No | (No Data) | 1.4607 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83350 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4139.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 83358 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6508.47 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 1.5364 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 83360 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1277.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 1.2523 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83361 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1390.69 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.2583 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83363 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.9990 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5190.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4300.00 | No | (No Data) | 0.8283 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83366 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4438.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3850.00 | No | (No Data) | 0.8673 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83367 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4072.12 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 83368 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2041.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1890.00 | No | (No Data) | 0.9256 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 84093 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3436.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.0185 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 84188 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8452.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 82977 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9791.77 | No | (No Data) | No | (No Data) | No | Yes | (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) | Yes | No | (No Data) | (No Data) | Yes | 16000.00 | No | (No Data) | 1.6340 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83369 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2079.82 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.0990 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 83375 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | 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 | 8.1250 | Yes | 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) | 0 | 32.9 | 0 | 32.9 | 32.9 | 32.9 | (No Data) | (No Data) | (No Data) | 40408.24 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 60508 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.3961 | Yes | Yes | 3.29 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.53 | 36.9 | 40.53 | 36.9 | 36.9 | 36.9 | Yes | Yes | Yes | 7163.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 180 months;<br> Personal Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 60539 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.9617 | No | No | 2.027 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.96 | 46.92 | 48.96 | 46.92 | 46.92 | 46.92 | No | No | (No Data) | 5095.98 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 1 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 60595 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.6478 | Yes | Yes | 3.145 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.68 | 39.68 | 39.68 | 39.68 | 39.68 | 39.68 | Yes | Yes | Yes | 1626.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Tax Return - 13 months; | (No Data) | (No Data) | (No Data) |
| 60613 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2392.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | Yes | 2050.00 | No | (No Data) | 0.8568 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 83376 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4901 | No | No | 1.11 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -16871.64 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months; | Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 83379 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9879 | No | No | 1.064 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.44 | 43.44 | 43.44 | 43.44 | 43.44 | 43.44 | Yes | Yes | Yes | 17420.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 60 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 83380 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9961 | Yes | Yes | 1.13 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.93 | 19.93 | 19.93 | 19.93 | 19.93 | 19.93 | Yes | Yes | Yes | 70587.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 192 | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter with Income - 192 months; | (No Data) | (No Data) | (No Data) |
| 83381 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4087 | No | No | 3.663 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -7395.08 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 83383 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.5253 | No | No | 4.348 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.23 | 50.23 | 50.23 | 50.23 | 50.23 | 50.23 | Yes | Yes | Yes | 5041.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 132 months;<br> P & L - 24 months; | (No Data) | (No Data) | (No Data) |
| 83384 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.8704 | Yes | Yes | 3.276 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.44 | 7.44 | 7.44 | 7.44 | 7.44 | 7.44 | Yes | Yes | Yes | 62018.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months;<br> CPA Letter - 96 months; | (No Data) | (No Data) | (No Data) |
| 83387 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.2874 | No | No | 3.352 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.46 | 49.35 | 49.46 | 49.35 | 49.35 | 49.35 | Yes | Yes | Yes | 4016.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 240 months; | (No Data) | (No Data) | (No Data) |
| 83389 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8617 | Yes | Yes | 4.182 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.93 | 33.28 | 34.93 | 33.28 | 33.28 | 33.28 | Yes | Yes | Yes | 4237.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Verbal VOE with Income - 26 months; | (No Data) | (No Data) | (No Data) |
| 83392 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6596 | No | No | 3.08 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.09 | 47.49 | 0 | 47.49 | 47.49 | 47.49 | Yes | Yes | Yes | 7253.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 84197 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.2826 | Yes | Yes | 1.282 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.54 | 16.64 | 16.54 | 16.64 | 16.64 | 16.64 | Yes | Yes | Yes | 45462.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months; | (No Data) | (No Data) | (No Data) |
| 83396 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6781 | No | No | 1.11 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.3 | 50.73 | 50.3 | 48.07 | 48.07 | 49.24 | Yes | Yes | Yes | 24145.18 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 25 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 83397 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2630 | Yes | Yes | 2.919 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.79 | 37.83 | 38.79 | 37.83 | 37.83 | 37.83 | Yes | Yes | Yes | 6106.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 120 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 83398 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.6290 | No | No | 2.181 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.67 | 49.68 | 48.67 | 49.68 | 49.68 | 49.68 | Yes | Yes | Yes | 18927.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 83399 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6167 | Yes | No | 2.146 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.89 | 40.74 | 0 | 40.74 | 40.74 | 40.74 | Yes | Yes | Yes | 4413.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 18 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 12 months;<br> Verbal VOE with Income - 18 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 83401 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5782 | No | No | 2.966 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.67 | 43.67 | 0 | 43.67 | 43.67 | 43.67 | Yes | Yes | Yes | 13643.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 83403 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6951 | No | No | 3.577 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.76 | 50.09 | 0 | 50.09 | 50.09 | 50.09 | Yes | Yes | Yes | 2407.35 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 25 months; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 83405 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.8671 | Yes | Yes | 1.896 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.75 | 9.11 | 6.75 | 9.11 | 9.11 | 9.11 | Yes | Yes | Yes | 72539.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 83406 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4847 | Yes | No | 1.583 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.24 | 37.2 | 45.24 | 40.74 | 35.36 | 35.36 | Yes | Yes | Yes | 13036.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 179 months;<br> P & L Only - 23 months; | (No Data) | (No Data) | (No Data) |
| 83407 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.4285 | No | No | 2.124 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.62 | 47.56 | 0 | 47.56 | 47.56 | 47.56 | Yes | Yes | Yes | 13237.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 83409 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0974 | No | No | 2.037 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.71 | 45.71 | 45.71 | 45.71 | 45.71 | 45.71 | Yes | Yes | Yes | 6778.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 84 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 83411 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2469 | Yes | Yes | 2.336 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.83 | 29.83 | 29.83 | 29.83 | 29.83 | 29.83 | Yes | Yes | Yes | 20180.51 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months; | Business Bank Statements - 12 months;<br> CPA Letter - 60 months; | (No Data) | (No Data) |
| 83412 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3909 | Yes | Yes | 2.338 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.78 | 41.36 | 41.78 | 41.36 | 41.36 | 41.36 | Yes | Yes | Yes | 13324.59 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (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; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 83414 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5263 | Yes | Yes | 3.155 | Not Applicable | (No Data) | (No Data) | No | No | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.8 | 29.8 | 29.8 | 29.8 | 29.8 | 29.8 | Yes | Yes | Yes | 4547.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 83419 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.6695 | Yes | Yes | 2.468 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.69 | 33.04 | 39.69 | 33.04 | 33.04 | 33.04 | Yes | Yes | Yes | 9765.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 83420 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7030 | Yes | No | 3.388 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.38 | 27.38 | 43.38 | 27.38 | 27.38 | 27.38 | Yes | Yes | Yes | 10060.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | (No Data) |
| 83422 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | 3 Family | 3 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5936 | No | No | 3.235 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 79.34 | 46.2 | 79.34 | 46.2 | 46.2 | 46.2 | Yes | Yes | Yes | 6092.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 83423 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4470 | Yes | No | 2.706 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.41 | 41.41 | 0 | 41.41 | 41.41 | 41.41 | Yes | Yes | Yes | 9440.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 83428 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.5588 | Yes | Yes | 3.209 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.54 | 9.54 | 9.54 | 9.54 | 9.54 | 9.54 | Yes | Yes | Yes | 61896.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 with Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 83429 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 12.1774 | Yes | No | 0.959 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.12 | 38.41 | 0 | 38.41 | 38.41 | 38.41 | Yes | Yes | Yes | 5646.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 83430 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1982 | Yes | Yes | 4.276 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.36 | 24.36 | 24.36 | 24.36 | 24.36 | 24.36 | Yes | Yes | Yes | 28604.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | (No Data) |
| 83431 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 11.6061 | Yes | Yes | 3.26 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.81 | 21.66 | 21.81 | 21.66 | 21.66 | 21.66 | Yes | Yes | Yes | 28433.69 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 84 months; | (No Data) | (No Data) | (No Data) |
| 83432 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3724 | Yes | Yes | 2.29 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.57 | 32.5 | 32.57 | 32.5 | 32.5 | 32.5 | Yes | Yes | Yes | 21106.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 36 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 83433 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2485 | No | No | 2.208 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -11639.36 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 83434 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0955 | No | No | 2.224 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -2694.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 83435 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1465 | Yes | Yes | 2.509 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.61 | 29.6 | 29.61 | 29.6 | 29.6 | 29.6 | Yes | Yes | Yes | 23465.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 14 months; | (No Data) | (No Data) | (No Data) |
| 83436 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0409 | Yes | No | 0.322 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.16 | 39.17 | 0 | 39.17 | 39.17 | 39.17 | Yes | Yes | Yes | 27590.56 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) |
| 83437 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9469 | No | No | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -4209.18 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 83439 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1474 | Yes | Yes | 2.498 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.83 | 7.54 | 10.83 | 7.54 | 7.54 | 7.54 | Yes | Yes | Yes | 46294.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 83441 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.7835 | Yes | Yes | 3.547 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.08 | 38.08 | 38.08 | 38.08 | 38.08 | 38.08 | Yes | Yes | Yes | 8324.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months; | (No Data) | (No Data) | (No Data) |
| 83442 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2038 | Yes | No | 2.341 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 3.31 | 3.31 | 0 | 3.31 | 3.31 | 3.31 | Yes | Yes | Yes | 1692140.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 83443 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9285 | Yes | Yes | 3.866 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.54 | 9.54 | 9.54 | 9.54 | 9.54 | 9.54 | Yes | Yes | Yes | 11714.13 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 134 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 134 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 83444 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8706 | No | No | 2.202 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.8 | 45.5 | 0 | 45.5 | 45.5 | 45.5 | Yes | Yes | Yes | 29022.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 108 months; | (No Data) | (No Data) | (No Data) |
| 83445 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7886 | Yes | Yes | 2.005 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.48 | 29.2 | 29.48 | 29.2 | 29.2 | 29.2 | Yes | Yes | Yes | 39629.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months; | (No Data) | (No Data) | (No Data) |
| 83446 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.5978 | Yes | No | 2.598 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.68 | 35.5 | 0 | 35.5 | 35.5 | 35.5 | Yes | Yes | Yes | 13417.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 240 months; | (No Data) | (No Data) | (No Data) |
| 83447 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1708 | No | No | 3.275 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.04 | 47.05 | 47.04 | 47.05 | 47.05 | 47.05 | Yes | Yes | Yes | 2911.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 32 months; | (No Data) | (No Data) | (No Data) |
| 83449 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5521 | Yes | No | 2.128 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.52 | 4.52 | 0 | 4.52 | 4.52 | 4.52 | Yes | Yes | Yes | 511900.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 83452 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9471 | No | No | 3.221 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.46 | 50.21 | 50.46 | 50.21 | 50.21 | 50.21 | Yes | Yes | Yes | 1454.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 83453 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4957 | Yes | Yes | 3.457 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.18 | 39.15 | 39.18 | 39.15 | 39.15 | 39.15 | Yes | Yes | Yes | 5413.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months;<br> CPA Letter - 120 months; | (No Data) | (No Data) | (No Data) |
| 83454 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.7378 | Yes | No | 3.914 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.05 | 34.05 | 0 | 34.05 | 34.05 | 34.05 | Yes | Yes | Yes | 5703.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 83456 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2981 | Yes | Yes | 2.491 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.02 | 33.1 | 37.02 | 33.1 | 33.1 | 33.1 | Yes | Yes | Yes | 8740.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 83457 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2381 | Yes | No | 2.899 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.27 | 26.77 | 0 | 26.77 | 26.77 | 26.77 | Yes | Yes | Yes | 6785.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| 83462 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1226 | No | No | 1.084 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.32 | 44.73 | 0 | 44.73 | 44.73 | 44.73 | Yes | Yes | Yes | 31054.83 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 83463 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.7537 | Yes | No | 3.933 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.6 | 32.73 | 0 | 32.73 | 32.73 | 32.73 | Yes | Yes | Yes | 16074.39 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 120 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 83464 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | No | Second Home | Condotel | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0760 | Yes | Yes | 2.885 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.16 | 17 | 17.16 | 17 | 17 | 17 | Yes | Yes | Yes | 20659.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 83465 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4721 | No | No | 1.838 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.07 | 46.82 | 47.07 | 46.82 | 46.82 | 46.82 | Yes | Yes | Yes | 8500.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months; | (No Data) | (No Data) | (No Data) |
| 83466 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9264 | Yes | No | 4.286 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.53 | 29.99 | 0 | 29.99 | 29.99 | 29.99 | Yes | Yes | Yes | 17694.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 83467 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.5668 | No | No | 3.921 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.03 | 47.04 | 47.03 | 47.04 | 47.04 | 47.04 | Yes | Yes | Yes | 3146.47 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | 1099 - 12 months;<br> CPA Letter - 60 months; | (No Data) | (No Data) |
| 83468 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1410 | No | Yes | 2.692 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3608.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 83469 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3606 | Yes | Yes | 3.281 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.67 | 39.77 | 40.67 | 39.77 | 39.77 | 39.77 | Yes | Yes | Yes | 6308.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 83470 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3357 | Yes | No | 0.825 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.4 | 18.56 | 0 | 18.56 | 18.56 | 18.56 | Yes | Yes | Yes | 282317.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 83471 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2829 | No | No | 3.879 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.51 | 50.77 | 0 | 50.77 | 50.77 | 50.77 | Yes | Yes | Yes | 4292.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 83472 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9127 | Yes | No | 2.283 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.56 | 19.47 | 0 | 19.47 | 19.47 | 19.47 | Yes | Yes | Yes | 37199.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 132 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 132 months; | (No Data) | (No Data) | (No Data) |
| 83474 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9542 | Yes | No | 2.241 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.31 | 25.48 | 0 | 27.86 | 25.48 | 25.48 | Yes | Yes | Yes | 31895.49 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 156 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 156 months;<br> Personal Bank Statements - 12 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 83475 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0355 | Yes | Yes | 3.72 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.37 | 37.37 | 37.37 | 37.37 | 37.37 | 37.37 | Yes | Yes | Yes | 3721.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 84213 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3015 | Yes | Yes | 2.921 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.21 | 37.86 | 39.21 | 37.86 | 37.86 | 37.86 | Yes | Yes | Yes | 5327.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 60 months;<br> P & L - 14 months; | (No Data) | (No Data) | (No Data) |
| 84216 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4198 | Yes | Yes | 4.384 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.16 | 30.15 | 38.16 | 30.15 | 30.15 | 30.15 | Yes | Yes | Yes | 3255.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (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) | P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 84217 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | 3 Family | 3 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5830 | Yes | Yes | 2.937 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.26 | 23.75 | 24.26 | 23.75 | 23.75 | 23.75 | Yes | Yes | Yes | 29005.51 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 108 months; | Business Bank Statements - 12 months;<br> CPA Letter - 108 months; | (No Data) | (No Data) |
| 84275 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.5820 | No | Yes | 3.338 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.13 | 44.07 | 41.13 | 44.07 | 44.07 | 44.07 | Yes | Yes | Yes | 7737.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 96 months;<br> P & L - 13 months; | (No Data) | (No Data) | (No Data) |
| 84281 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8739 | Yes | Yes | 2.214 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.32 | 39.31 | 39.32 | 39.31 | 39.31 | 39.31 | Yes | Yes | Yes | 6415.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 27 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 12 months;<br> Personal Bank Statements - 3 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.22

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.22**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM3** |
| **Start - End Dates:** | **12/9/2021 - 5/23/2025** |
| **Deal Loan Count:** | **270** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *270* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **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** |
| 82869 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83047 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 9778 | XXXX | 7.7436 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 82870 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83048 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82871 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82872 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82873 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82874 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82875 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82877 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82879 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82881 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 10700.81 | XXXX | 7.7642 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 82882 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 82884 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83065 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83049 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82889 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.2418 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82890 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.5 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 82891 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82892 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82893 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82895 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82896 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83063 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83069 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82897 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82898 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82900 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82901 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82902 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82903 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83050 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82904 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.3764 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82905 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82907 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83059 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82908 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82910 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82911 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82912 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 82915 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.49 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82916 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82917 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82918 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82919 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82920 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83052 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83053 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82921 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82922 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82923 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83054 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83045 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82924 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7645 | XXXX | 7.8498 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 82925 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82926 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 82927 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 82929 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 14620 | XXXX | 7.2597 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 82930 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82931 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82932 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82934 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83061 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82936 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 82937 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82938 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 82939 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82941 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82944 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82945 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82947 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 82948 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.6251 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 82949 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82951 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82952 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82954 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82955 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83514 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 16283.4 | XXXX | 9.2837 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 82958 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82960 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 82961 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82962 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82964 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82965 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83060 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82966 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 82967 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83062 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83068 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.2396 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82973 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82974 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 82976 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83213 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83214 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83215 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83216 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83218 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 10.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83220 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83221 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.125 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 83222 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.125 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 83223 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83224 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83225 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83229 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 83230 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 11.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83233 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83234 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 83235 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83236 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83238 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83240 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83242 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83244 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83245 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83249 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83250 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 83254 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83256 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83257 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83259 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83261 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83262 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.75 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83263 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 11.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83265 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83269 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83270 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83271 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83273 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83274 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.75 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83275 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83276 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83277 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83278 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 10.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83279 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 83280 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83283 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.375 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83284 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83285 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83286 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 11.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83287 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83288 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83290 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 10.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83291 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.125 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83294 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83295 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83296 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83297 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83299 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83300 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83301 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 83303 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83304 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83305 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83307 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83310 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83311 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83312 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83313 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83315 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83317 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83318 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83319 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83320 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83321 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83322 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83323 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83325 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83326 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83328 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83331 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.999 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83332 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.75 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83333 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83334 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83335 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83336 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83338 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83339 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83341 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83344 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83345 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83346 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83347 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83348 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83349 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83350 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83358 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 83360 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83361 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83363 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 9.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83366 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 83367 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83368 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 84093 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5001 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 84188 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 82977 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83369 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83375 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 60508 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 14232.5 | XXXX | 4.3961 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7163.38 |
| 60539 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 3937 | XXXX | 4.9617 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| 60595 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 3705 | XXXX | 4.6478 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 1626.3 |
| 60613 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 12000 | XXXX | 4.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 83376 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 19750 | XXXX | 7.4901 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 83379 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 14315.9 | XXXX | 6.9879 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 17420.79 |
| 83380 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 13750 | XXXX | 6.9961 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 70587.92 |
| 83381 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 24225 | XXXX | 7.4087 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 83383 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 11182.5 | XXXX | 10.5253 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5041.99 |
| 83384 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7600 | XXXX | 10.8704 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 62018.47 |
| 83387 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 11787.5 | XXXX | 10.2874 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4016.86 |
| 83389 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7335 | XXXX | 7.8617 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 4237.09 |
| 83392 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 18420 | XXXX | 7.6596 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7253.45 |
| 84197 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 8500 | XXXX | 9.2826 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 45462.58 |
| 83396 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 18790 | XXXX | 7.6781 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 24145.18 |
| 83397 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 14612.5 | XXXX | 7.263 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 6106.45 |
| 83398 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 23841 | XXXX | 9.629 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 18927.27 |
| 83399 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7534.67 | XXXX | 7.6167 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4413.55 |
| 83401 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 26775 | XXXX | 7.5782 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13643.22 |
| 83403 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 8900 | XXXX | 7.6951 | Employed | Employed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | 2407.35 |
| 83405 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 8025 | XXXX | 9.8671 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | 72539.83 |
| 83406 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 13600 | XXXX | 7.4847 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13036.75 |
| 83407 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 10220 | XXXX | 9.4285 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13237.61 |
| 83409 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 13114 | XXXX | 8.0974 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6778.7 |
| 83411 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 21365 | XXXX | 8.2469 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 20180.51 |
| 83412 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 14670 | XXXX | 8.3909 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13324.59 |
| 83414 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 4230 | XXXX | 8.5263 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4547.92 |
| 83419 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 10420 | XXXX | 9.6695 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 9765.16 |
| 83420 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 10825 | XXXX | 7.703 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10060.29 |
| 83422 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 14537.5 | XXXX | 7.5936 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6092.45 |
| 83423 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 11495 | XXXX | 8.447 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9440.03 |
| 83428 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 9587.5 | XXXX | 7.5588 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 61896.89 |
| 83429 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 1650 | XXXX | 12.1774 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| 83430 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 26695 | XXXX | 8.1982 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 28604.82 |
| 83431 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7843.75 | XXXX | 11.6061 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 28433.69 |
| 83432 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 19445 | XXXX | 8.3724 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 21106.87 |
| 83433 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 24250 | XXXX | 8.2485 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 83434 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 6650 | XXXX | 7.0955 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 83435 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 22000 | XXXX | 8.1465 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 23465.05 |
| 83436 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 3070 | XXXX | 7.0409 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 27590.56 |
| 83437 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.9469 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 83439 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 9850 | XXXX | 8.1474 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 46294.21 |
| 83441 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 12300 | XXXX | 9.7835 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 8324.86 |
| 83442 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 109936.75 | XXXX | 7.2038 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 1692140.51 |
| 83443 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 3661.43 | XXXX | 7.9285 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 11714.13 |
| 83444 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 30945 | XXXX | 7.8706 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 29022.2 |
| 83445 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 16750 | XXXX | 7.7886 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 39629.05 |
| 83446 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 8508 | XXXX | 10.5978 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13419.8 |
| 83447 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 5795.95 | XXXX | 8.1708 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 2911.99 |
| 83449 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 41425 | XXXX | 7.5521 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 511900.88 |
| 83452 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 4111.25 | XXXX | 7.9471 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1454.59 |
| 83453 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 13911.25 | XXXX | 7.4957 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 5413.72 |
| 83454 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 8770 | XXXX | 9.7378 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 5703.86 |
| 83456 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 9100 | XXXX | 7.2981 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8740.22 |
| 83457 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 6957.5 | XXXX | 7.2381 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6785.43 |
| 83462 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 26600 | XXXX | 7.1226 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 31054.83 |
| 83463 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7545 | XXXX | 10.7537 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 16074.39 |
| 83464 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7040 | XXXX | 8.076 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | 20659.89 |
| 83465 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 10581.13 | XXXX | 7.4721 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 21286.8 |
| 83466 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 17850 | XXXX | 7.9264 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 17694.19 |
| 83467 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 6535 | XXXX | 8.5668 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3146.47 |
| 83468 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 12415 | XXXX | 7.141 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 83469 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 13190 | XXXX | 8.3606 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 6308.1 |
| 83470 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 32645 | XXXX | 7.3357 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 282317.32 |
| 83471 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 6700 | XXXX | 7.2829 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4292.48 |
| 83472 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 17750 | XXXX | 7.9127 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 37199.06 |
| 83474 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 17430 | XXXX | 7.9542 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 31895.49 |
| 83475 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7577.8 | XXXX | 8.0355 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 3721.99 |
| 84213 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 10022 | XXXX | 7.3015 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 5327.25 |
| 84216 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 5325 | XXXX | 7.4198 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | 3255.35 |
| 84217 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 24298.08 | XXXX | 7.583 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 29005.51 |
| 84275 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 18550 | XXXX | 8.582 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 7737.74 |
| 84281 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 9362.5 | XXXX | 8.8739 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 6415.67 |

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## Exhibit 99.23

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.23**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MFA 2025-NQM3 |
| **Start - End Dates:** | 12/9/2021 - 5/23/2025 |
| **Deal Loan Count:** | 270 |
| **Valuations Summary** |  |
| *Loans in Report:* | *270* |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **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 (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **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** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 82869 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 82870 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 83048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82871 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 82872 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 82873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 82875 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82879 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82881 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 82884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 83065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 82889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 82890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82891 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 82893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 82895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 82898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 82900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 82902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 82903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 83050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 82905 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 82907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 83059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 82908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 82911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 82912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 82915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 82916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 82918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 82919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| 82920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 83052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 82921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 82923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 83054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -9.89% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 82925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 82926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 82930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 82931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 82932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 83061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 82936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 82937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 82938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 82941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 82945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 82947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82951 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 82952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 82960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 82962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 82965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 83060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 82966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 83062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 83068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 82973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 82974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -24.56% |  | $0.00 | $0.00 | 0.00% | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83214 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -1.23% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 83234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -22.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 83242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  | XXXX | XXXX | XXXX | 2.47% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 83245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 83250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 83254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 83256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXX | XXXX | XXXX | -0.19% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -4.21% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83261 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 83265 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 83273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -3.20% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  | XXXX | XXXX | XXXX | 9.33% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 83275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 83276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 83283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -0.43% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83286 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -2.17% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -4.17% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -13.79% |  | $0.00 | $0.00 | 0.00% | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXX | XXXX | XXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83313 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 83315 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83318 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -6.67% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 83320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83325 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83326 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83328 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83331 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83332 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83339 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 83341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 83344 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83345 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83347 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83348 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83349 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 83350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 83358 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 83363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 83368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 84093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 84188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 82977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 83369 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 83375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 60508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXX | XXXX | XXXX | -2.99% | XXXX | 14.000 | 86.00 | XXXX | XXXX | XXXX | 8.96% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 60539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXX | XXXX | XXXX | 0.23% | XXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 60595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXX | XXXX | XXXX | 0.00% | XXXX | 50.000 | 50.00 | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 60613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXX | XXXX | XXXX | 21.45% | XXXX | 3.700 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  | XXXX | XXXX | XXXX | 11.96% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 83379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 83380 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -10.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83383 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -0.64% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 83389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 84197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.33% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 83403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 83419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 83431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 83432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 83436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 83437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 83439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  | XXXX | XXXX | XXXX | 1.91% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 83446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -0.94% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 83453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 83454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  | XXXX | XXXX | XXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -5.63% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 83463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  | XXXX | XXXX | XXXX | 0.79% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 83472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 83474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 83475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 84213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 84216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 84217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 84275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 84281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

## Exhibit 99.24

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.24**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM3** |
| **Start - End Dates:** | **12/9/2021 - 5/23/2025** |
| **Deal Loan Count:** | **270** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 3 |
| Credit | Terms/Guidelines | CRDTER3262 | Property issues indicated | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 2 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 1 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 2 |
| Credit | Credit/Mtg History | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 4 |
| Credit | Credit/Mtg History | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | 6 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 13 |
| Credit | DTI | CRDDTI187 | Debt Ratio > 50% | 2 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 10 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 2 |
| Credit | LTV/CLTV | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | 2 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2488 | Verbal verification of employment missing | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 5 |
| Property Valuations | FEMA | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | 4 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 1 |
| Property Valuations | Property | PRVAPROP2674 | Property Issues Indicated 2 | 1 |
| Property Valuations | Appraisal | PRVAAPPR151 | Appraisal dated beyond acceptable date range per guidelines | 1 |
| Compliance | Right of Rescission | CMPROR5360 | ROR - Waiver used to fund loan prior to the end of the rescission period | 1 |
| Compliance | State Consumer Protection | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | 2 |
| Compliance | Documentation | CMPDOC5556 | Note P&I doesn't equal Clayton's calculated P&I; payment schedule inaccuracy | 1 |
| **Total** |  |  |  | **68** |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.25

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.25**

**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 acquired by MFA Financial, Inc. The review included a total of 100 newly originated residential mortgage loans, in connection with the securitization identified as MFA 2025-NQM3 (the "Securitization"). The Review was conducted from January 2025 through July 2025 on mortgage loans originated between April 2021 and May 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
 or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 through third party resource of the subject properties most recent twelve (12) month
 sales history

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

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide
 Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm
 Loan Approval conditions were met

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

&nbsp;&nbsp;&nbsp;&nbsp;j. General
 QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing
 Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider
 Income and Assets:

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification
 of Income and Assets:

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

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

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

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

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

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

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

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

**Compliance Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as
 required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the
 application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active
 and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

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

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

**Valuation Review**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
 event the CU score was greater than 2.5 or the LCA score was not eligible for R&W
 relief, an additional valuation product was obtained to confirm value was supported within
 10% tolerance. In some instances, based on 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 (100 loans in total):

Three (3) loans had a Secondary Appraisal, zero (0) loans had an AVM, two (2) loans had a Field Review, and thirty-eight (38) loans had Desktop Reviews.

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 was one (1) occurrence of this.

One (1) loan had a Field Review or BPO, zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review. The value was not supported, however the lowest appraised value was used for valuation purposes.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred (100) mortgage loans reviewed, one (1) unique mortgage loan (1.00% by loan count) had a total of one (1) discrepancy across one (1) data field. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 57 | $32032850.00 | 57.00% |
| Event Grade B | 43 | $21916600.00 | 43.00% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 100 | $53949450.00 | 100.00% |

---

**Credit Results:**

---

| | | |
|:---|:---|:---|
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 62 | 62.00% |
| Event Grade B | 38 | 38.00% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 100 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 99 | 99.00% |
| Event Grade B | 1 | 1.00% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 100 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 93 | 93.00% |
| Event Grade B | 7 | 7.00% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 100 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;24 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Flood Certificate Partially Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing rent comparable schedule form 1007 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income 1 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Rent Loss Coverage Not Sufficient | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Collections, liens or judgments not paid at closing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Updated Credit Report Supplement | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset 2 Expired | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Corporate Loan Resolution is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***142*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Loan program disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 YTD Profit & Loss Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***74*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Balloon Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Missing evidence required disclosure provided at closing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***110*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing evidence required disclosure provided at closing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;74 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***102*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;HOA Questionnaire is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***10*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.26

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.26**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MFA Loan ID** | **Seller Loan ID** | **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** |
| 83385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX shows $XXX withdrawal for XXX deposit. Provide a Certified Escrow deposit receipt for $XXX. Per GL's XXX XXX and Deposit. | Client provided attached document in response. | 03/17/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 03/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 01/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 01/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. The borrower is a XXX. Provide a XXX, XXX or exception with XXX compensating factors. Per GL's XXX Eligible Borrowers | XXX Response: Loan priced as ITIN due to lack of VISA/employment authorization card. However, the<br> 1003 reads as an NPRA due to system limitations of not having an ITIN option on the 1003. | 02/06/2025 | ; Document Uploaded. | 03/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A copy of the $XXX XXX check is in the file. Provide a certified escrow deposit receipt. Per GL's XXX XXX and Deposit |  |  | Asset Qualification Meets Guideline Requirements; Document Uploaded. EMD receipt cleared | 03/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The Articles of Organization for XXX filed XX/XX/XXXX is in the file. Provide proof the borrower has XXX% ownership of the LLC. Per GL's XXX Month Bank Statement Income Program | Client provided attached document in response. | 03/05/2025 | ; Document Uploaded. CPA letter received. File also needs CPA license verification. | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | finding-2261 | Compliance | NC Rate Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test.<br> (XXX)<br> The loan is a XXXe loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full XXX report.<br>While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  |  | Compliant | 01/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 01/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 82615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Borrower property ownership records online indicate possible undisclosed real estate and/or mortgage debt.XXX. Provide a property report | XXX Response: Uploading SiteX showing borr owns but no mortgage and updated 1003 to include in the<br> REO section | 02/13/2025 | All Fraud Report Alerts have been cleared or None Exist; Document Uploaded. dscr loan, not needed for DTI, condition cleared. all reo vreified | 05/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX DSCR is below min GL due to the addition of HOA fees that the lender omitted. B |
| 82615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The Settlement Statement shows $XXX HOA dues paid to XXX HOA. The appraisal does not list the property as a XXX. Lender to provide HOA documents. | Client provided attached document in response. ; XXX response - here is the HOA confirmation. | 05/09/2025 | Property/Appraisal Meets Guidelines; Document Uploaded. ; Thank you for providing confirmation the subject has an HOA. Please provide documentation to confirm the monthly HOA dues (unable to confirm if the $XXX on the HUD is annual, quarterly, monthly, etc.). Thank you.; Document Uploaded. | 05/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX DSCR is below min GL due to the addition of HOA fees that the lender omitted. B |
| 82615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | XXX Rider is Missing Per final HUD, subject is a XXX with HOA dues. File is missing a XXX rider. | Client provided attached document in response. | 05/07/2025 | The XXX Rider is Present or is Not Applicable (Property Type is XXX); XXX Rider Received-page XXX of Trailing Doc. Condition resolved.; Document Uploaded. | 05/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX DSCR is below min GL due to the addition of HOA fees that the lender omitted. B |
| 82615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX%% exceeds Guideline LTV of XXX% DSCR is below XXX min GL due to the addition of HOA fees that the lender omitted. Max LTV under XXX DSCR is XXX%. | Ok per JJ to treat as XXX DSCR as the shortfall is $XXX a month, comp factors, XXX<br> FICO, no mortgage lates reporting, subject in XXX above average condition | 02/13/2025 | Document Uploaded. | 02/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX DSCR is below min GL due to the addition of HOA fees that the lender omitted. B |
| 82615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 01/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX DSCR is below min GL due to the addition of HOA fees that the lender omitted. B |
| 83388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing a housing/payment history for departure residence (XXX). Final 1003 indicates it is owned and there is commentary in file regarding the sale of property but no documentation provided to support XXXs. | XXX Response: The departure property is a XXX that is XXX and XXX. There are no<br> mortgages on credit nor any rating that would be needed | 02/13/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing disposition of current residence (XXX) in Section #XXX. Page one indicates it is owned and there is commentary in file regarding the sale of property but no support provided. | XXX Response: Uploading XXXX for departure property in 2 separate pages that show the sale of the<br> departure. The FSS was not able to be obtained but the est FSS is only off by about $XXX and XXXX is<br> the 3rd party source to show the closing as the source of funds deposited to XXX | 02/24/2025 | The Final 1003 is Present; Document Uploaded. proof departing residence closed was provided and cleared | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing proof of sale of current residence (XXX). Required to validate the $XXX deposit, on XX/XX/XXXX, into XXX account #XXX. Final 1003 indicates it is owned and there is commentary in file regarding the sale of property but no documentation provided. | Client provided attached document in response. ; XXX Response: Uploading XXXX for departure property in 2 separate pages that show the sale of the<br> departure. The FSS was not able to be obtained but the est FSS is only off by about $XXX and XXXX is<br> the 3rd party source to show the closing as the source of funds deposited to XXX | 03/10/2025 | Per Underwriting Loan Approval Worksheet provided - UW Exceptions - XXX validates that the property sold when the FSS was not yet available at time of closing. Ok per XXX to use in conjunction with est HUD showing the source was the sold property, comp factors, XXX FICO, borr on the job XXX years.; Document Uploaded. Unable to accept a XXX screen-print as funds to borrower. File needs verification of funds received from the closing. XXX only shows final sales price. | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 01/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX higher-priced mortgage loan test. (XXX, XXXFinancial Code Division 1.9 4995(a))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXFinancial Code.<br> While the XXXFinancial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 01/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 01/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record 2 Does Not Meet G/L Requirements A wire dated XX/XX/XXXX shows $XXX transferred from XXX into XXX showing as $XXX. A copy of the two most recent statements from XXX account are required. If the funds are not seasoned a minimum of XXX days, a letter of explanation is required along with the information to comprise a XXX day chain of funds. Bank statements in any language other than XXX must be translated into XXX. Per XXX XXXs | XXX Response: The bank was actually XXXX from XXX XXX XXX, it<br> was only the international wire transfer that was handled by XXX. AS this account was not used to<br> wire directly to closer, they are merely being used as a source document, not a full bank statement.<br> Uploading wire confirmation showing borrower as the owner of the account and the currency conversion<br> already took place as noted on the receipt. This document is acceptable to XXX Lending as it covers all<br> of the pertinent info needed top document borr owns these funds | 02/17/2025 | Asset Record X Meets G/L Requirements Or Not Applicable; Document Uploaded. | 03/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Settlement Statement shows the funds due as $XXX. A $XXX wire from XXX was received on XX/XX/XXXX. Sufficient funds to close must be on deposit with the Escrow / Closing Agent at least XXX business days (including Saturdays for this calculation) prior to any closing date. Provide proof the $XXX was on deposit with the Escrow Agent. Per GL XXX XXXs | XXX Response: Uploading closing funds, it has 2 pages, the first page is the wire to title on 1XX/XX and the second is the check to title dated XX/XX. All funds are in US based accounts and in USD so the seasoning requirement is moot.; XXX Response: Uploading copy of wire and borr's cashier's check from XXX for the remaining funds | 03/06/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. ; Lender didn't upload a copy of the wire. Please upload for review. | 03/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, seller, settlement agent, Listing company, selling company, listing agent, selling agent and underwriter were not checked with Exclusionary Lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties cleared | 03/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 01/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 01/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Provide a HOA Information Letter to verify: XXXproject is not currently involved in any litigation; total number of units in the project; total number of phases that are not complete; percent of the units sold and conveyed to the unit owners; and percent of the units XXX. Per GL's XXX eligibility |  |  | HOA Questionnaire Provided; Document Uploaded. HOA Cert received and cleared. | 03/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX shows $XXX wire on XX/XX/XXXX. Provide a certified escrow deposit receipt for $XXX. Per GL's XXX XXX and Deposit | XXX Response: Uploading EDR | 03/17/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. Bank statement is already in the file. Lender to provide receipt from title company. | 03/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject was vested in a Trust and gifted to XXX upon the XXX. Provide XXX contract signed by XXX, along with XXX as Trustee. |  |  | Property Title Issue Resolved; Document Uploaded. trust received and cleared | 03/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines Per HOA Cert, the property is part of pending litigation and is non-warrantable. | Corrected XXX Response: XXX Lending does not consider this an NWC since the only litigation is due to foreclosure activities and the HOA will always be involved to a degree. There are no suits against the HOA so they are OK to be considered a standard condo.; XXX Response: HOA Does Not Meet Guidelines Per HOA Cert, the property is part of pending litigation and is non-warrantable. | 03/18/2025 | HOA Meets Guidelines; | 03/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 01/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per Guidelines proof of rent loss insurance coverage must be provided. The file does not contain proof of rent loss insurance. Provide proof of rent loss insurance. | XXX Response: Rent loss is not required if rents are not used for qualification. As this is an ATRIF loan,<br> no rents are considered | 02/24/2025 | Rent Loss Coverage Present; Document Uploaded. | 06/25/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 83248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in XXX. Missing Post Disaster Inspection Report for FEMA XXX. The most recent appraisal is dated XX/XX/XXXX and the incident period is XX/XX/XXXX and continuing. | Due to the size of XXX, XXX, the subject loan had the Post-Disaster Inspection requirement waived. The subject property was not in proximity to the fire or in an evacuation zone. | 02/06/2025 | Property Inspection Provided.; Evidence provided that subject property was not located in impacted area. Condition cleared.; Document Uploaded. | 06/25/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 83248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete The file contain a final signed application, credit report and loan approval for the spouse. The spouse is not listed on the Note and she did not sign the Note. Provide a complete Note that includes the spouse. | Escalated. There was a discussion on our end with senior management for the finding on the subject loan. It looks like this was originally submitted as XXX but then changed to close in the name of the entity. Looking at possible resolutions other than revising Note and Mortgage, since the wife does not own the LLC and should not have been included on the approval.  | 03/12/2025 | The Note is Present. After additional review - Title to property is vested int he name of XXX which borrower is the sole member of and signed all documents on behalf, even personally guarantying the loan. Borrower X (XXX) contributed no income to the loan and higher credit score was not used for qualifying. Although Borrower XXX's debts were utilized in the DTI calculation, it was creating a worse-case scenario. Cleared.; ; Document Uploaded. XXX is a co-borrower on this loan. She is listed on the XXX, joint credit pulled and her credit was used in the DTI and the final URLAs show joint applications for both XXX. The appraisal lists XXX as the borrower. Audit cannot remove co-borrower from the loan. | 03/24/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 83248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The file contains a final application, credit report and the loan approval includes the borrower's spouse. The spouse did not sign the Deed of Trust. Provide a complete Deed of Trust that is signed by the spouse. | Escalated. There was a discussion on our end with senior management for the finding on the subject loan. It looks like this was originally submitted as XXX but then changed to close in the name of the entity. Looking at possible resolutions other than revising Note and Mortgage, since the wife does not own the LLC and should not have been included on the approval.  | 03/12/2025 | The Deed of Trust is Present and Complete. After additional review - Title to property is vested int he name of XXX which borrower is the sole member of and signed all documents on behalf, even personally guarantying the loan. Borrower X (spouse) contributed no income to the loan and higher credit score was not used for qualifying. Although Borrower X's debts were utilized in the DTI calculation, it was creating a worse-case scenario. Cleared.; Document Uploaded. XXX is a co-borrower on this loan. She is listed on the ULAW, joint credit pulled and her credit was used in the DTI and the final URLAs show joint applications for both BRs. The appraisal lists XXX as the borrower. Audit cannot remove co-borrower from the loan. | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 83248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an XXX-Is Basis Appraisal completed by XXX Appraisals is Subject o repairs or alterations. Provide a Completion Certificate that reflects the required repairs or alternations have been completed. |  |  | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Document Uploaded. final inspection received and cleared | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 83248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX exceeds Guideline LTV of XXX% Per Lender Guideline the max LTV is XXX% for loan amounts over $XXX. The subject loan amount is $XXX. Provide an approved exception for the XXX LTV | Ok per KG for XXX% and $XXX loan amount, comp factors, XXX FICO, borr XXX for<br> XXX years, comparable sales have a very low average DOM. | 02/24/2025 | Document Uploaded. | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 83248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per Lender Guideline the max HCLTV is XXX% for loan amounts over $XXX. The subject loan amount is $XXX. Provide an approved exception for the XXX% HCLTV | Ok per KG for XXX% and $XXX loan amount, comp factors, XXX FICO, borr XXX for<br> XXX years, comparable sales have a very low average DOM. | 02/24/2025 | Document Uploaded. | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 83248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX exceeds Guideline CLTV of XXX% Per Lender Guideline the max CLTV is XXX% for loan amounts over $XXX. The subject loan amount is $XXX. Provide an approved exception for the XXX CLTV | Ok per KG for XXX% and $XXX loan amount, comp factors, XXX FICO, borr XXX for<br> XXX years, comparable sales have a very low average DOM. | 02/24/2025 | Document Uploaded. | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 83248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 01/28/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 83404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | FCRE1202 | Credit | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Lender to provide final fraud report with all parties verified. |  |  | Third Party Fraud Report is fully present; Document Uploaded. all parties verified and cleared | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines There is a VOE in the file from The Work Number that shows the borrower is as XXXX, making $XXX or $XXX/month. Lender to verify Borrower's employment and income, as XXX does not match the CPA letter and income calculation worksheet. | Client provided attached documentation in response. | 04/07/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 01/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 01/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | FCRE9488 | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's XXX is not supported in the file. The 1003 shows the subject will be a XXX. However, the hazard insurance policy shows XXX and loss of rents coverage. | Client provided attached document in response. ; XXX XXXX spoke with the borrower, Mr. XXX on XX/XX/XXXX and he clarified that he owns XXX properties on the same street, XXX and XXX. He requested the policy for XXX to be written as a rental dwelling, and XXX to be insured under a homeowner's policy.<br> However, he stated that the agent mistakenly issued both policies as XXX. Once the error was identified, the policy for XXX was promptly corrected to a homeowner's insurance policy. A copy of the corrected policy has been provided.<br> A copy of his utility bill for XXX is attached.<br> Request for consideration to clear exception regarding the intent and/or status of the borrower's occupancy.; Client provided attached documentation in response. ; XXX Response: With AM for insurance updates | 07/03/2025 | Spoke with XXX at XXX and confirmed they were okay with clearing due to the conversation with the borrower as they do not own the additional property per documentation provided in the file. Occupancy supported; finding resolved.; Document Uploaded. Pending updated insurance. No additional docs provided. ; Based on the explanation provided, the Borrower owns XXX as well as the subject, however, XXX was not disclosed on the application. Please provide an updated XXX reflecting XXX and provide documentation to verify the full PITI. Upon receipt, the DTI will need to be recalculated. Thank you.; Document Uploaded. Pending updated insurance. No additional docs provided. ; ; Document Uploaded. Pending updated insurance. No additional docs provided. ; HOI provided has an effective date approximately X months post closing. Please provide an HOI policy that was in effect at time of closing that does not reflect the Borrower intended the subject to be a rental property.; Document Uploaded. Pending updated insurance. No additional docs provided. | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraisal shows the kitchen oven/range is missing. Provide an appraisal update to show the range/oven has been installed. Per GL's XXX Work in Progress | XXX Response: The improvements section of the appraisal indicate there is no XXX but the report<br> was made as-is. It is not considered a work in progress on an as-is report with only an appliance missing | 02/24/2025 | The issue with the property has been resolved.; Document Uploaded. cleared per rebuttal | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The XXX% LTV requires XXX reserves. A Lender exception for XXX reserves is in the file. Provide XXX compensating factors.<br> Per : NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per KG<br> for XXX months reserves, comp factors, XXX FICO, XXX% DTI, borr S/E XXX years. | 02/24/2025 | Document Uploaded. | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The CPA letter was used to verify the business. Tax preparer MUST provide their license verification from municipal, state or federal licensing boards or proof of their business existence. Per Twelve Month Bank Statement Program |  |  | CPA License verified and cleared; Document Uploaded. | 02/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 01/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The Field Review Appraiser, XXX was not checked with the exclusionary lists. | Client provided attached document in response. ; Client provided attached document in response. | 04/02/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. ; Field Appraiser, XXX, is missing from the Exclusionary List. Please provide an updated Fraud Report that reflects the Field Appraiser was included in the Loan Participant Analysis. Thank you.; Document Uploaded. | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2025 | Resolved | FCRE9163 | Credit | Missing Updated Credit Report Supplement | The 1003 shows XXX $XXX to be paid at closing. The post closing CD does not show XXX as paid with the loan proceeds. The Loan Approval requires XXX to be paid off. Provide a credit supplement to show the debt has been paid in full. | Client provided attached document. | 03/04/2025 | Client provided updated Loan Approval including liability payment for XXX.; Document Uploaded. | 03/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 reflects the borrower is XXX. Per vesting on title and broker's statement in file the borrower is XXX. Section 8: Demographic Information was not completed. Provide a corrected and signed Final 1003 that reflects the borrower is XXX and Section 8: Demographic Information completed. | Client provided attached document. | 03/04/2025 | The Final 1003 is Present. Received updated pages of the final XXX showing XXX and the Demographic Info section being completed. cleared.; Document Uploaded. | 03/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The property details report for XXX shows a loan with XXX. The Data Verify Real Estate report shows a Loan with XXX with loan amount of $XXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last XXX months. Provide evidence the mortgage is closed or the the last XXX months pay history. Per GL's XXX Determining Mortgage Rating | XXX Response: Per Sec 4.15, mortgages on non-subject XXX do not need mortgage ratings and there<br> are no FC indicators on the DataVerify report. | 03/05/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, loan processor and underwriter were not checked with the Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 03/05/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Acknowledged | FCOM3987 | Compliance | Missing evidence required disclosure provided at closing | Missing other XXX loans on the Certificate of Loans to One Borrower. |  |  | Exception is non-material and graded as level X/B. | 02/12/2025 | B A |
| 83267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/07/2025 | B A |
| 83267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/07/2025 | B A |
| 83252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject was vested in XXX., a XXX Limited Partnership. The borrower is XXX% , XXX XXX% and XXX % partnership interest. Provide a Quit Claim Deed signed by the borrower and XXX to vest subject in the borrowers name. | XXX Response: Uploading executed warranty deed. | 03/06/2025 | Property Title Issue Resolved; Document Uploaded. | 03/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements A VOM from XXX is in the file for the subject mortgage pay-history. Unless serviced by an identifiable third party (determined in XXX sole discretion), a mortgage rating for a lien owned by XXX or XXX will require a mortgage history to be documented with twelve months cancelled checks (front and back) or, if paid by XXX or postal XXX copies of the past XXX months. Provide XXX months cancelled checks to verify the subject mortgage, or a Lender exception with XXX compensating factors. Per GL''s XXX property | XXX Response: XXX Lending is a hard money lender and servicer, not a single person lending their<br> private funds so the VOM is acceptable | 03/06/2025 | Housing History Meets Guideline Requirements; | 03/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, XXX, underwriter were not checked with the Exclusionary Lists. | XXX Response: Uploading updated DataVerify report. | 03/06/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE1292 | Credit | Income 1 Months Income Verified is Missing | Income XXX Months Income Verified is Missing The subject lease in the file shows $XXX per month rent. Tenant occupied properties require documentation of timely receipt for the prior<br> XXX months rental payments. Provide evidence of receipt of most recent XXX months rent. Per GL's Debt Service Coverage Ratio | XXX Response: Per credit, VOR, VOM and DataVerify there were no mortgage lates or FB/FC actions taken in last XXX months, so proof of rents is not required. | 03/06/2025 | Income X Months Income Verified is Present Or Not Applicable; | 03/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements XXX account XXX is a business checking for XXX. Provide evidence the Borrower owns the business contributing the closing funds. Per XXX Business Deposit Accounts | XXX Response: Uploading signature card from the formation of the XXX account showing borr and spouse as the sole proprietors for XXX XXX, their same names appear on the personal accounts as well.; Client provided attached document in response. | 04/14/2025 | Asset Record X Meets G/L Requirements Or Not Applicable; Document Uploaded. ; Please provide documentation to confirm the Borrower is XXX% owner of XXX to use XXX% of the balance for funds to close and reserves.; Document Uploaded. | 04/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The mortgage rating for XXX is reported through XXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last XXX months. Provide evidence the XXX payment was made. Per GL's XXX Determining Mortgage Rating | Client provided attached document in response. | 03/06/2025 | Lender Exception approved by XXX to waive proof of XXX mortgage payment.; Document Uploaded. | 03/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83243 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83243 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83243 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements There is a XXX credit from XXX borrower listed on the final HUD. Lender to provide all docs to source these closing funds. | Client uploaded attached document in response. | 03/10/2025 | Articles of Organization provided to proof business entity ownership of $XXX credit from XXX Asset Qualification Meets Guideline Requirements; Document Uploaded. | 03/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report reflects XXX months acceptable payment history for the XXX; however, XXX months payment history is required to be reviewed to waive escrows. The final 1003 reflects XXX years and XXX months at the XXX; however, this complete payment history is not in file. Business Purpose Wholesale Rate Sheet XX-XX-XXXX reflects there must be XXX over last XXX-months for housing payments. |  |  | Lender Exception for partial housing rating approved by XXX.; Document Uploaded. Client provided attached document(s) in response. | 03/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83227 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Hazard Insurance shows $XXX rent loss coverage. XXX months gross rental income rent loss insurance coverage will be required if rental income is being used to qualify. Rent loss coverage should be to the lessor of XXX or, rent received/scheduled. Provide evidence of $XXX in rent loss coverage. | XXX Response: Uploading HOI but the XXX are listed together having $XXX in coverage on pg 2 and then the main home with $XXX on pg 4. | 03/10/2025 | Loss Rent Coverage is Sufficient; Document Uploaded. | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83227 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83227 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 82695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The subject transaction is a XXX for XXX% LTV/CLTV. The borrower had to bring $XXX to closing and the file contains a wire confirmation for $XXX. The file documents $XXX in available funds. The file is missing proof of seasoning for seasoning of the funds for closing. Per lender GLs XXX Verification of Assets/Funds DSCR loans over XXX LTV/CLTV, verification of funds to close is required. | XXX Response: Uploading broker business purpose application showing over $XXX in assets. Per Sec<br> 8.4, if the amount to close is less than $XXX on BP loans, the funds need only be listed on the application | 03/10/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 05/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 82695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Resolved | FCRE4989 | Credit | Collections, liens or judgments not paid at closing | Missing proof judgments on title Sec XXX against XXX and XXX in the amount of $XXX and against XXX., and XXX have been statisfied. | Client provided attached document in response. ; XXX Response: Uploading most recent prelim showing these judgments have been removed. | 05/08/2025 | ; Document Uploaded. ; Title commitment with loan policy amount of $XXX (closest amount to subject loan) reflects open judgments (#XXX of requirements). Due to multiple copies of title commitments in file with the same issue date of XX/XX/XXXX and effective date of XX/XX/XXXX, it cannot be determined which title commitment is the most recent/accurate. Please provide title addendum that confirmed judgements reflected in #XX of requirements were deleted. Thank you.; Document Uploaded. | 05/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 82695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX The loan closed at XXX% CLTV. Per Lender's Matrix the maximum CLTV for XXX credit score is XXX. The file contains a lender exception for XXX% CLTV approved by XXX on XX/XX/XXX. There are no compensating factors listed. Per Lender there must be XXX compensating factors listed. The exception is not valid. Provide updated exception with XXX compensating factors listed. | XXX Response: Uploading updated ULAW with comp factors | 03/10/2025 | Approved Lender Exception to XXX%.; Document Uploaded. | 03/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 82695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The loan closed at XXX% HLTV. Per Lender's Matrix the maximum HLTV for XXX credit score is XXX% . The file contains a lender exception for XXX% HLTV approved by XXX on XX/XXX/XXXX. There are no compensating factors listed. Per Lender there must be XXX compensating factors listed. The exception is not valid. <br> Provide updated exception with XXX compensating factors listed. | XXX Response: Uploading updated ULAW with comp factors | 03/10/2025 | Lender Approved Exception to XXX%.; Document Uploaded. | 03/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 82695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX The loan closed at XXX% LTV. Per Lender's Matrix the maximum LTV for XXX credit score is XXX. The file contains a lender exception for XXX% LTV approved by XXX on XX/XX/XXXX. There are no compensating factors listed. Per Lender there must be XXX compensating factors listed. The exception is not valid. Provide updated exception with XXX compensating factors listed. | XXX Response: Uploading updated ULAW with comp factors | 03/10/2025 | Approved Lender Exception to XXX%.; Document Uploaded. | 03/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 82695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 82695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The Exclusionary List does not reflect that the appraiser, XXX or Class Valuation was searched. Provide a complete Exclusionary List that has all parties to this transaction checked. | Client uploaded attached document in response. | 03/10/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Acknowledged | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record 3 Does Not Meet G/L Requirements Gift funds were not sourced properly from the donor to the borrower per lender GLs 8.7 Gift Funds. Lender to provide proof of deposit or receipt from donor to borrower for XXX. | Client provided attached document(s) in response. | 03/21/2025 | Lender Exception to waive proof of gift fund receipt approved by XXX.; Document Uploaded. | 03/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 83391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in XXX. The subject property is in XXX, XXX and is a part of XXX with declaration date XX/XX/XXXX and ending XX/XX/XXXX. The appraisal was completed XX/XX/XXXX; however, there is no post disaster inspection in file. |  |  | Property Inspection Provided.; Document Uploaded. no damages reported, condition cleared | 03/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX The audited LTV is XXX%. Exception in file to allow XXX% LTV; however, no compensating factors noted. Non-Prime Wholesale Rate Sheet XX-XX-XXX reflects a max XXX LTV for ITIN with XXX FICO. | Client provided attached document in response. | 03/10/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The audited HLTV is XXX%. Exception in file to allow XXX% LTV; however, no compensating factors noted. Non-Prime Wholesale Rate Sheet XX-XX-XXXX reflects a max XXX% LTV for ITIN with XX/XX/XXXX FICO. | Client provided attached document in response. | 03/10/2025 | Lender exception to XXX% approved by XXX.; Document Uploaded. | 03/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX The audited CLTV is XXX%. Exception in file to allow XXX% LTV; however, no compensating factors noted. Non-Prime Wholesale Rate Sheet XX-XX-XXXX reflects a max XXX LTV for ITIN with XXX FICO. | Client provided attached document in response. | 03/10/2025 | Lender exception to XXX% approved by XXX.; Document Uploaded. | 03/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/07/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX)The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX 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 XXX 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 XXX) no later than XXX business days before consummation. The initial CD dated XX/XX/XXXX was provided less than XXX business days prior to the consummation date of XX/XX/XXXX, and was not signed. Please provide evidence of receipt of the initial CD dated XX/XX/XXXX..  |  |  | initial CD receipt date provided; Exception resolved; initial CD receipt date provided; Exception resolved; Document Uploaded. | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/07/2025 | Resolved | finding-2261 | Compliance | NC Rate Spread Home Loan Test | HPML compliant, downgraded to A This loan failed the XXX rate spread home loan test.<br> (XXX)The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  |  | Compliant | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83219 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 is missing Sec XXX Information-The Demographic Information was provided through was not completed. The Lender Approval states the Section 8 needs to be completed. Complete a signed Final application that has Section 8 completed. | Client provided attached document in response. | 03/11/2025 | The Final 1003 is Present; Document Uploaded. | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83219 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing The Title is missing. Per GL XXX A copy of any Title Insurance Commitment/Preliminary Title Insurance Policy and any closing protection letter or the original Lenders Title Insurance Policy (in Seller's name) in such form and subject to exception as are approved by XXX must be in the file. Provide required title document. <br>| Client provided attached document in response. | 03/11/2025 | Title Document is fully Present; Document Uploaded. ; Document Uploaded. | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83219 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The Exclusionary List does not reflect that the appraiser, XXX was searched. Provide a complete Exclusionary List that has all parties to this transaction checked. | Client provided attached document in response. | 03/11/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83219 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83219 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 02/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FCRE1443 | Credit | Asset 2 Expired | Asset 2 Expired The XXX statement is dated XX/XX/XXXX. Provide an updated on-line history to update a quarterly account. Per GL's EXPIRATION OF CREDIT :Bank Statements | Client provided attached document in response. | 03/11/2025 | Asset X Not Expired Or Not Applicable; Document Uploaded. | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Provide HOA Information Letter – verifying the following: XXXproject is not currently involved in any litigation; Total number of units in the project; Total number of phases that are not complete; Percent of the units sold and conveyed to the XXX; and Percent of the units XXXPer GL's XXX Eligibility Requirements | Client provided attached document in response. | 03/11/2025 | HOA Questionnaire Provided; Document Uploaded. | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Closing Disclosure shows a gift from the spouse of $XXX. The funds required for closing $XXX were wired from the XXX bank account. The total funds from the spouse $XXX does not match the gift letter of $XXX. The documentation evidencing the transfer of funds must match the information on the gift letter (i.e.: the remitter's name (XXX), borrower's name, dollar amount, date, name of the depository institution, and account number. Provide a gift letter for $XXX from the spouse. | Client provided attached document in response. | 03/11/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FCRE1482 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements The Closing Disclosure shows an $XXX gift from XXX. The wire of $XXX shows sending bank is XXX from XXX. A gift Letter is required on all gifts. Provide a completed gift letter must include; the borrower's name; Reflect the XXX name, address and phone number; Reflect the XXX relationship to the borrower; Disclose the source of the gift funds (i.e.: name of depository institution, account number); Indicated the dollar amount of the gift; Include a statement that the person receiving the gift (i.e.: borrower) is not obligated to repay the dollar amount of the gift; Include a statement: "The funds given to were not made available to the donor from any person or entity with an interest in the sale of the property including the seller, real estate agent or broker, builder, loan officer, or any entity associated with them."; and Signed and dated by the Donor and Borrower. Per GL's XXX Gift Funds | Client provided attached document in response. | 03/11/2025 | Asset X Meets Guideline Requirements Or Not Applicable; Document Uploaded. | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The borrower is a Pilot with XXX. The Lender included a $XXX monthly Housing Allowance in the borrowers monthly income. Housing allowances are allowed as additional sources of income only for members of the XXX or XXX. Audit did not include the housing allowance in the monthly income. Per Guidelines V. Income Documentation Chart - Wage Earner & Other Sources: Housing Allowance | Client provided attached document in response. | 03/11/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Document Uploaded. | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. (XXX). The file is missing the documentation to show the borrower received the appraisal at or prior to consummation |  |  | Evidence of appraisal delivery provided.; Document Uploaded. | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender Exception to include Housing income on XXX approved by XXX. |  |  | Lender exception provided; Compensating factors include: XXX FICO; Full Doc; Subject in CX well maintained condition | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX)The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX 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 XXX 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 XXX no later than XXX business days before consummation. The initial CD dated XX/XX/XXXX was provided less than XXX business days prior to the consummation date of XX/XX/XXXX, and was not signed. Please provide evidence of receipt of the initial CD dated XX/XX/XXXX.  |  |  | initial CD receipt date provided; Exception resolved; initial CD receipt date provided; Exception resolved; | 02/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. XXX% ($XXX) seller credit exceeds XXX% maximum. Per Lender GL Section XXX - Maximum Contributions: max XXX% seller concessions for O/O XXX > XXX% LTV. Ok, per XXX, for XXX% Seller Concession; however, missing a minimum of two compensating factors prior to DD Firm acknowledging. | Client provided attached document in response. | 03/25/2025 | Lender Exception to XXX% Interested Party Contributions approved by XXX.; Document Uploaded. | 03/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Lender exception in file to go to XXX% LTV. File is missing XXX compensating factors. | Client provided attached document in response. | 03/13/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Lender exception in file to go to XXX% LTV. File is missing XXX compensating factors. | Client provided attached document in response. | 03/13/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Lender exception in file to go to XXX% LTV. File is missing XXX compensating factors. | Client provided attached document in response. | 03/13/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing The file does not contain a Preliminary/Title Commitment. Provide a Preliminary/Title Commitment or Final Title Policy. | Client provided attached document in response. | 03/13/2025 | Title Document is fully Present; Document Uploaded. | 03/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The Fraud Review is missing. Per client review parameters a Fraud Report is required for all transactions. Provide a completed Fraud Report with all required searches completed. | Client provided attached document in response. | 03/13/2025 | Third Party Fraud Report is provided; Document Uploaded. | 03/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The subject transaction was approved with an LTV of XXX%. The subject is a DSCR XXX with a DSCR score XXX%. Per the Lender's Matrix DSCR less than/equal to .XXX to XXX0 the max LTV is XXX% on a XXX loan. Lender exception in file is missing XXX compensating factors. | Client provided attached document in response. | 03/13/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The subject transaction was approved with an HCLTV of XXX%. The subject is a DSCR XXX with a DSCR score XXX%. Per the Lender's Matrix DSCR less than/equal to .XXX to XXX the max HCLTV is XXX% on a XXX loan. Lender exception in file is missing XXX compensating factors. | Client provided attached document in response. | 03/13/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The subject transaction was approved with an CLTV of XXX%. The subject is a DSCR XXX with a DSCR score XXX%. Per the Lender's Matrix DSCR less than/equal to .XXX to XXX the max CLTV is XXX% on a XXX loan. Lender exception in file is missing XXX compensating factors. | Client provided attached document in response. | 03/13/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The sales contract and note reflect values used for the LTV/CLTV/HLTV of XXX%. Exception is in file to allow for XXX% LTV on rural location property; however, there are no compensating factors noted and the actual LTV max should be XXX% due to the bankruptcy being discharged less than XXX years. Non-Prime Wholesale Rate Sheet XX-XX-XXXX reflects maximum LTV of XXX% for XXX greater than and equal to XXX year to less than XXX years. |  |  | Lender exception to XXX% approved by XXX.; Document Uploaded. | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The sales contract and note reflect values used for the LTV/CLTV/HLTV of XXX%. Exception is in file to allow for XXX% LTV on rural location property; however, there are no compensating factors noted and the actual LTV max should be XXX% due to the bankruptcy being discharged less than XXX years. Non-Prime Wholesale Rate Sheet XX-XX-XXXX reflects maximum LTV of XXX% for XXX greater than and equal to XXX year to less than XXX years. |  |  | Lender exception to XXX% approved by XXX.; Document Uploaded. | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The sales contract and note reflect values used for the LTV/CLTV/HLTV of XXX%. Exception is in file to allow for XXX% LTV on rural location property; however, there are no compensating factors noted and the actual LTV max should be XXX% due to the XXX being discharged less than XXX years. Non-Prime Wholesale Rate Sheet XX-XX-XXXX reflects maximum LTV of XXX% for XXX greater than and equal to XXX year to less than XXX years. |  |  | Lender exception to XXX% approved by XXX.; Document Uploaded. | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/12/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A |  |  | Compliant | 02/12/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 83390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 83390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 02/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 83440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | XXX business account is being used for funds to close. Provide a Handwritten Letter of Explanation executed by the majority of the business'<br> XXX describing the potential impact on the business if business funds are used for closing. Per XXX Business Deposit Accounts | XXX Response: Uploading updated asset summary that shows this is a personal account, also uploading statement showing this along with ledger for final amount used being is only personal. | 03/17/2025 | ; Document Uploaded. | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX A XXX who is absent a complete rental history for the prior XXX consecutive months, or is currently not paying any rent, that borrower is limited to: XXX maximum LTV. Provide an exception with XXX compensating factors. Per GL's XXX Home Buyer | XXX Response: Uploading updated ULAW with comp factors. | 03/17/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% A XXX who is absent a complete rental history for the prior XXX consecutive months, or is currently not paying any rent, that borrower is limited to: XXX% maximum HLTV. Provide an exception with XXX compensating factors. Per GL's XXX XXX Home Buyer | XXX Response: Uploading updated ULAW with comp factors. | 03/17/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX A XXX who is absent a complete rental history for the prior XXX consecutive months, or is currently not paying any rent, that borrower is limited to: XXX maximum CLTV. Provide an exception with XXX compensating factors. Per GL's XXX | XXX Response: Uploading updated ULAW with comp factors. | 03/17/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Employment dates are incorrect for current and previous employer. XXX start date should be XX/XX/XXXX not XX/XX/XXXX End date for XXX should be XX/XX/XXXX not XX/XX/XXXX Employment Letter and WVOE support. |  |  | The Final 1003 is Present; Document Uploaded. | 03/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A |  |  | Compliant | 02/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet (ULA) reflects the document type as XXX Months Bank Statement. The file contains a XXX month P&L completed by a CPA. The file does not contain XXX months bank statements. Provide a corrected Underwriting Loan Approval Worksheet (ULA) that reflects the correct document type. |  |  | Exception is non-material and graded as level X/B. | 02/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 82577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The URLA shows the borrower rents for $XXX per month. XXX #XXX shows XXX payments of $XXX for XXX months. Verification of Rent covering the last XXX months for the XXX is required. Provide evidence $XXX rent was paid for XXX via bank statement or canceled checks (front and back). Per GL's XXX Verification of Rent Payments & XXX Determining the Rental Rating | Client provided attached document in response. ; XXX Response: This is what the exception was made for, XXX does not have these items so an exception was made to accept just what we have, even if partial. Sec 4.16 allows us this flexibility.; Client provided attached document in response. | 05/08/2025 | Lender Exception to accept partial housing history approved by XXX.; Document Uploaded. ; Thank you for clarifying there was an approved exception for the partial housing history, however the ULAW in file does not reflect an approved exception was granted. Please provide an updated ULAW that reflects the approved exception along with XXX compensating factors. Thank you.; ; Please provide full XXX months rental payment history (missing XX/XX/XXXX). The URLA shows the borrower rents for $XXX per month. XXX #XXX shows XXX payments of $XXX for XXX of XXX months. Verification of Rent covering the last XXX months for the XXX is required. ; Document Uploaded. | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 82577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 82577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/14/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in XXX. Missing Post Disaster Inspection Report, due to recent wildfires (FEMA XXX). | Due to the size of XXX, XXX, the subject loan had the Post-Disaster<br> Inspection requirement waived. The subject property was not in proximity to the fire or in an<br> evacuation zone.<br> Please see attached fire map that was used to determine there was minimal risk. | 02/19/2025 | Property Inspection Provided.; Document Uploaded. PDI waiver received | 02/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/14/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company, ASAP Appraisal was not checked with the Exclusionary Lists. | Client provided attached document in response. | 03/18/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/14/2025 | Acknowledged | FPRO1501 | Property | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete The HOA Questionnaire is partially completed. Provide the completed HOA Certification with all questions answered. Per GL's XXX Documentation Requirements |  |  | Exception is non-material and graded as level X/B. | 02/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/14/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX higher-priced mortgage loan test. (XXX, XXXFinancial 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 XXXFinancial Code.While the XXXFinancial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 02/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 02/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/14/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing complete Section 2a Assets section. XXX Savings and Checking accounts/balances are not reflected. Funds from this account were utilized as cash to close and are listed on the Lender's Approved Liquid Assets summary. | Client provided attached document in response. | 03/20/2025 | The Final 1003 is Present; Received missing pages of the loan application. Assets are stated. ; Document Uploaded. | 03/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/14/2025 | Acknowledged | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | XXX is not considered to be an Arm's Length Transaction Subject is a non-arms length transaction/XXX of a defaulted property. Seller is borrower's Uncle and the property has a court ordered sale. Per Lender GL Section XXX - Proof of non-default required. Ok, per XXX XXXXX, for the non-arms length XXX of a defaulted property. Compensating Factors: Low LTV and bringing $XXX of own funds to close. |  |  | Ok, per XXX, for the non-arms length purchase of a defaulted property. Compensating Factors: Low LTV and bringing $XXX of own funds to close. | 02/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83232 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/18/2025 | A |
| 83232 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/18/2025 | A |
| 83232 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/18/2025 | A |
| 83309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. XXX with XXX% LTV XXX DSCR doesn't meet XXX minimum. Per Lender BP/DSCR matrix: minimum XXX DSCR required for XXX on XXX when the LTV exceeds XXX. | Client provided attached document in response. | 03/25/2025 | Exception approved in file to match price of XXX loan amount, XXX DSCR on this loan, comp factors, borr is a seasoned XXX, significant reserves after closing, subject in XXX good condition with recent updating; Document Uploaded. | 03/25/2025 | C B A |
| 83309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/18/2025 | C B A |
| 83309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/18/2025 | C B A |
| 83231 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83231 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83231 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX exceeds Guideline CLTV of XXX% Max ltv for short term rental is XXX%. Lender exception in file. | KG rate exception in file to XXX% ltv with XXX% rate @ XXX bpc XXX%. Strong collateral, low ltv | 02/18/2025 | XXX rate exception in file to XXX%. Strong collateral, low ltv | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83231 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Max ltv for short term rental is XXX%. Lender exception in file. | KG rate exception in file to XXX% ltv with XXX% rate @ XXX bpc XXX%. Strong collateral, low ltv | 02/18/2025 | XXX rate exception in file to XXX%. Strong collateral, low ltv | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83231 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX exceeds Guideline LTV of XXX% Max ltv for short term rental is XXX%. Lender exception in file. | KG rate exception in file to XXX% ltv with XXX% rate @ XXX bpc XXX%. Strong collateral, low ltv | 02/18/2025 | XXX rate exception in file to XXX%. Strong collateral, low ltv | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83228 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The Credit Reports shows an XXX loan with XXX payment of $XXX per month. The business bank statements withXXX shows the debt is paid by the business. The Lender omitted the debt from the DTI. The business debt must be counted in the debt-to-income ratio if: The business bank account used to qualify is being used to pay a debt the applicant personally signed for or is appearing on the applicant's credit report. Provide evidence the borrower did not personally sign for the debt. Per GL's XXX Business Debt | XXX Response: Uploading updated ULAW, 1007 and 1003 giving subject rents and adding back the<br> $XXX auto loan. Also uploading lease agreement and proof of 1st months rent + security deposit. New<br> lease with security deposit covers the 2 month payment receipt. | 04/01/2025 | Borrower X Credit Report is not partially present.; Document Uploaded. | 04/04/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83228 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The URLA schedule of REO lists; XXX with no mortgage, tax or insurance. A mortgage statement with XXX shows an open mortgage in the borrowers name with a $XXX monthly payment. The Lender did not include the payment in the DTI. The borrower's debts and liabilities include real estate loans, negative income from rental properties. Provide evidence the property was sold, or the debt must be included in the DTI. Per GL's XXX Mortgage Payments For Rental properties | XXX Response: Re-uploading lease for review along with updated ULAW with comp factors. UW is using the full amount from the lease rather than market rents now that a tenant has been found.; XXX Response: Uploading updated ULAW, 1007 and 1003 giving subject rents and adding back the<br> $XXX auto loan. Also uploading lease agreement and proof of 1st months rent + security deposit. New<br> lease with security deposit covers the 2 month payment receipt. | 04/03/2025 | Provided Exception for history, new XXX with evidence XXX mo + deposit in file. Ok per XXX to accept new lease with less than XXX months receipt of rents for subject using XXX% of lease amount, comp factors, XXX FICO, borr S/E XXX+ years, subject in XXX good condition. Also updated the subject's net REO Income per lender's ULAW.; Document Uploaded. ; Upon documentation confirming XXX Freeman PITI and $XXX/mo auto loan are to be added back into the Borrower's monthly debts, the DTI is now XXX% which exceeds max DTI allowed of XXX%. It appears XXX% of market rents on the subject was used to offset the PITI vs. XXX% allowed per guidelines causing the DTI of XXX%. In addition, ULAW reflects an approved exception to use XXX month rent + security deposit vs XXX month history yet no comp factors were listed. Please provide documentation to support using XXX% of market rents vs. XXX% on the subject and X comp factors for approved exception for rental income less than XXX months. Thank you.; Document Uploaded. | 04/04/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83228 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83228 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 83281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCRE1176 | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Provide evidence the Hazard Insurance was active on XX/XX/XXXX | Client provided attached document(s) in response. | 03/12/2025 | HO-X Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-X Insurance Policy Effective Date Is Not Provided; ; Per Client: XXX is a dry state. Note is dated / but loan funded XXX. Insurance is valid.; Document Uploaded. | 03/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The $XXX wired to closing on XX/XX/XXXX came from XXX. The source of funds for closing should be reflected on the loan application. Provide a final loan application which lists the XXX Account. | XXX Response: Uploading corrected 1003 | 03/20/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 03/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. XXX is the source of the Earnest XXX, and shows account holder is XXX. The Borrower must own the business contributing the closing funds. Provide evidence the borrower is XXX% owner of XXX Provide a handwritten Letter of Explanation describing the potential impact on the business if business funds are used for closing. Per GLs XXX Business Deposit Accounts | XXX Response: Uploading proof that borr owns this business but the S/E LOE does not apply on DSCR<br> loans. | 03/20/2025 | Asset Record X Meets G/L Requirements; Document Uploaded. | 03/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. The Lender homeowners association fee is $XXX per month. The lender subject PITIA is $XXX. Audit used the appraisal homeowners association fee $XXX per month, which was in line with the Settlement Statement showing the HOA Dues #XXX. Audit PITIA is $XXX. This resulted in the DSCR . | XXX Response: Uploading updated ULAW with comp factors. | 03/20/2025 | Lender Exception for .XXX DSCR approved by XXX.; Document Uploaded. | 03/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Acknowledged | FPRO1501 | Property | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete The subject is a XXX. The appraisal lists the HOA fee as $XXX per month. The HUD shows the HOA fee in XXX parts; $XXX and $XXX for a total of $XXX per month. The XXX listing shows the HOA fee is $XXX per month. The HOA Certification completed by the escrow coordinator shows the HOA fee is $XXX per month. Provide written evidence from the HOA Management to verify the HOA monthly fee. |  |  | Exception is non-material and graded as level X/B. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCRE1176 | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX The XXX policy is effective XX/XX/XXXX, which is after the date of funding of XX/XX/XXXX. Guideline section XXX Hazard Insurance D. Effective Date states the policy must be in effect on or before the date of funding. | Client provided attached document in response. | 03/11/2025 | HO-X Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-X Insurance Policy Effective Date Is Not Provided; Document Uploaded. | 03/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements The sale of XXX is through a XXX Exchange per the Settlement Statement and account summary provided; however, there is no exchange agreement in the file. Guideline section XXX Exchange. Relinquished Property and XXX of New Property states the following documentation is required for XXX Exchange transactions occurring prior to the XXX of the new property: Exchange agreement; and verification of funds from Qualified Intermediary (XXX). | XXX Response: Uploading 1031 docs. | 03/20/2025 | Asset Record X Meets G/L Requirements Or Not Applicable; Document Uploaded. | 03/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | The Work Number verified the borrower is actively employed with XXX as an XXX with monthly income of $XXX. All loans are reviewed for accuracy, credit discrepancies, income contradictions, and misrepresentations during the underwriting process. Provide Copy of the Articles of Incorporation, Operating Agreement, or Partnership Agreement with recorded filing date as evidence the borrower is XXX% owner of the business. Per Guidelines: IX. ACCEPTABLE EVIDENCE OF XXX & 3.1 UNDERWRITING PHILOSOPHY | Client provided attached documentation in response. ; Client provided attached document in response. | 04/23/2025 | ; Document Uploaded. ; Due to the inconsistency between the letter from the CPA indicating the Borrower is the only XXX and the Third Party Verification of employment received from The Work Number indicating Borrower is an Associate/Employee, please provide a letter of explanation regarding the discrepancy. Thank you.; Document Uploaded. | 04/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | A CPA letter from XXX from XXX verified the business entity. Provide Tax preparer's license verification, from municipal, state or federal licensing boards or proof of their business' existence. Per XXX. Acceptable Evidence of XXX Business | Client provided attached document in response. | 03/24/2025 | Document Uploaded. | 03/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 83342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company was not checked with the Exclusionary Lists. | Client provided attached document in response. | 03/25/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of 1. The Matrix requires minimum DSCR of 1 for a XXX. Provide an exception with 2 compensating factors. | Client provided attached document in response. | 03/25/2025 | Lender Exception to .XXX DSCR approved by XXX.; Document Uploaded. | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX exceeds Guideline CLTV of XXX% XXX requires XXX% reduction in the Maximum CLTV. The Maximum CLTV for DSCR XXX is XXX. The maximum CLTV is XXX%. Provide an exception with XXX compensating factors. BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Client provided attached document in response. | 03/25/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX exceeds Guideline LTV of XXX% XXX requires XXX% reduction in the Maximum LTV. The Maximum LTV for DSCR XXX is XXX. The maximum LTV is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX |  |  | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% XXX requires XXX% reduction in the Maximum HLTV. The Maximum HLTV for DSCR >.XXX to Client provided attached document in response. 03/25/2025 Lender Exception to XXX% approved by XXX.; Document Uploaded. 03/26/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |
| 83351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company and underwriter were not checked with the Exclusionary lists. | Client provided attached document in response. | 03/25/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/26/2025 | D B C A |
| 83340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2025 | Resolved | FCOM1226 | Compliance | Balloon Rider is Missing | XXX Rider is Missing | Client provided attached document in response. | 03/03/2025 | The XXX Rider is Present; Confirmed - not a XXX loan. Condition triggered in error at time of reporting. Resolved. ; Document Uploaded. | 03/26/2025 | D B A C |
| 83340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Provide pay history of XXX from XXX through XXX. The subject was XXX mortgage payments to XXX are in the file. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last XXX months. | Client provided attached document in response. | 03/25/2025 | Lender Exception to waive full rating approved by XXX.; Document Uploaded. | 03/26/2025 | D B C A |
| 83340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/24/2025 | D B A C |
| 83340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/24/2025 | D B A C |
| 82697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties verified. | Client provided attached document in response. | 05/02/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/05/2025 | C A |
| 82697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/24/2025 | C A |
| 82697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/24/2025 | C A |
| 83448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender excluded PITIA for departing residence XXX. Lender to provide lease or rent estimate for departing residence. | XXX Response: Uploading departure property rents, XXX% of this amount is beyond the departure PITIA | 03/26/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 03/27/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2025 | Resolved | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: The final CD reflects a deposit of $XXX and the bank statement verifies the wires of the funds; however, the escrow deposit receipt is not in file. Guideline section XXX states XXX and deposits exceeding two percent of the sales price or $XXX, whichever is less, requires verification by one of the following: (a) XXX (canceled or not canceled) or outgoing wire with certified escrow deposit receipt; or (b) Bank statement showing the check or wire cleared with certified escrow deposit receipt. | XXX Response: Uploading EDR. | 03/26/2025 | ; Document Uploaded. | 03/27/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. The file contains an invoice for the appraisal; however, the appraisal is not in file. Guideline section XXX General Requirements states XXX requires a complete original summary appraisal report on each property. |  |  | Appraisal is Present or is Waived; Document Uploaded. | 02/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83362 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties verified. | Client provided attached document in response. | 03/27/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/28/2025 | C A |
| 83362 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/26/2025 | C A |
| 83362 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/26/2025 | C A |
| 83298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in XXX, an XXX and XXX and XXX, as community property with right of survivorship, all as joint tenants. The Final Settlement Statement shows $XXX paid to XXX and XXX Provide the signed Quit Claim Deed removing XXX from title. | XXX Response: This is a function of title, uploading Final Title Policy reflecting correct vesting. | 03/27/2025 | Property Title Issue Resolved; Document Uploaded. | 03/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows XXX paid through XXX, and XXX paid through XXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last XXX months. All reported mortgages on credit should be considered. Provide evidence both mortgages have been paid through XXX. Per GL XXX Determining Mortgage Rating | XXX Response: Uploading updated ULAW with comp factors. | 03/27/2025 | Lender Exception to waive ratings for other properties approved by XXX. ; Document Uploaded. | 03/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCRE1176 | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Provide evidence the Hazard Insurance was in place XXX. | Client provided attached document in response. | 03/13/2025 | HO-X Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-X Insurance Policy Effective Date Is Not Provided; Document Uploaded. | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Acknowledged | FCRE1326 | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower XXX YTD Profit & Loss Missing Personal tax returns from XXX/XXX and XXX with XXX is in the file. Current, signed Profit & Loss Statement is required when tax returns will be more than XXX days old at underwriting or XXX days at closing. Provide Current XXX YTD (through XXX) P & L with bank statements for the XXX preceding months. Per GL's X. INCOME TAX RETURNS FOR XXX | Client provided attached documentation in response. ; XXX Response: Uploading P&L through XXX/XXX, expiration was good through end of XXX and loan closed XXX/XXX | 04/22/2025 | Lender Exception to accept P&L and bank statement documentation as is with a XXX day expiration date approved by XXX. ; Document Uploaded. ; Per Section of Lender Guidelines, the XXX days applies to the tax returns vs. the P&L. Per Section XI: Prior to XXX, a Year End P&L covering the previous XXX months with bank statement for the X preceding months is required. P&L provided is only good through XX/XX/XXXX and only XXX months business bank statements were provided. Please provide Year End P&L for XXX and XXX business bank statement for XXX. Thank you.; Document Uploaded. | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX exceeds Guideline LTV of XXX% The Maximum LTV for a XXX is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / NOO DTI - PROGRAM LTV AND LOAN AMOUNT MATRIX | XXX Response: Uploading updated ULAW with comp factors. | 03/26/2025 | Lender Exception to XXX% on XXX approved by XXX.; Document Uploaded. | 03/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The Maximum HLTV for a XXX is XXX%. Provide an exception with XXX compensating factors. | XXX Response: Uploading updated ULAW with comp factors. | 03/26/2025 | Lender Exception for XXX to XXX% approved XXX.; Document Uploaded. | 03/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX exceeds Guideline CLTV of XXX% The Maximum CLTV for a XXX is XXX%. Provide an exception with XXX compensating factors. | XXX Response: Uploading updated ULAW with comp factors. | 03/26/2025 | Lender Exception for XXX to XXX% approved by XXX.; Document Uploaded. | 03/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 83289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. XXX requires a complete original summary appraisal report on each property. Provide URAR – Uniform Residential Appraisal Report<br> (FNMA Form 1004 dated XX/XX/XXXX) with a XXX Comparable Rent Schedule |  |  | Appraisal is Present or is Waived; Document Uploaded. | 03/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, and underwriter were not checked with Exclusionary lists. | Client provided attached document in response. | 03/26/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Acknowledged | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | Business funds from XXX are used for closing. Provide a handwritten Letter of Explanation executed by borrower describing the potential impact on the business. business funds are used for closing. | Client provided attached document in response. | 03/26/2025 | Lender Exception to waive business fund LOE approved by XXX.; Document Uploaded. | 03/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The subject is secured by a mortgage with XXX recorded XX/XX/XXXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last XXX months. Provide most recent XXX month pay history. Per GL's XXX Determining Mortgage Rating | Client provided documents in response. ; XXX Response: Underwriter did not request any mortgage payment histories on this borrower because:<br> 1) Borrower is well known to XXX as he has consummated well over 30 deals with us to date and<br> the loans in question are ours.<br> 2) Borrower has an excellent overall credit history, including various mortgages and a mid to upper<br> XXX credit scores | 03/25/2025 | Housing History Meets Guideline Requirements; Document Uploaded. ; Per Section XXX of Lender guides, in the absence of a mortgage / rental rating covering the last XXX months, the loan will be considered on a case-by-case basis Please provide an updated ULAW that reflects a housing history was not required and the corresponding compensating factors.; | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan application shows borrowers current address as XXX. The mortgage / rental rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns and / or rents over the<br> last XXX months. Provide most recent XXX month pay history. Per GL's XXX Determining Mortgage Rating | Client provided documents in response. ; XXX Response: Underwriter did not request any mortgage payment histories on this borrower because:<br> 1) Borrower is well known to XXX as he has consummated well over 30 deals with us to date and<br> the loans in question are ours.<br> 2) Borrower has an excellent overall credit history, including various mortgages and a mid to upper<br> XXX credit scores | 03/25/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. ; Per Section XXX of Lender guides, in the absence of a mortgage / rental rating covering the last XXX months, the loan will be considered on a case-by-case basis. Please provide an updated ULAW that reflects a housing history was not required and the corresponding compensating factors.; | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The credit report shows mortgage's with XXX and XXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last XXX months. All reported mortgages on credit should be considered. Please provide the loan application schedule of real estate to show properties the liens are secured against. Provide the pay histories through XXX. Per GL's XXX Determining Mortgage Rating | Client provided documents in response. ; XXX Response: The payoffs indicated no past due balances or unusual past due interest. | 03/25/2025 | Borrower X Credit Report is not partially present.; Document Uploaded. ; Please provide updated payment histories from XXX from XXX (payoff in file has a different balance and loan number than what is listed on credit) and XXX from XX/XX/XXXX to XX/XX/XXXX to confirm max XXX allowed for XXX% LTV.; | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, loan processor, settlement agent were not checked with Exclusionary Lists. | Client provided attached document(s) in response. | 03/11/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/27/2025 | A |
| 83268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/27/2025 | A |
| 83268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/27/2025 | A |
| 83302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, and underwriter were not checked with Exclusionary Lists. | Client provided attached document in response. | 05/14/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Settlement Statement shows $XXX XXX deposit. XXX and Deposit on Sales Contracts are considered part of the down payment. XXX exceeding two percent (XXX%) of the sales price or $XXX, whichever is less, requires verification. Provide Bank statement showing the check, copy of check or wire cleared with certified escrow deposit receipt. Per GL's XXX XXX and Deposit | Client provided attached document in response. | 05/14/2025 | Lender Exception to waive EMD source approved by XXX.; Document Uploaded. | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Acknowledged | FVAL5524 | Property | Ineligible Property | The subject property is XXX, vacant, and has been listed in the past XXX . There are exceptions in file to allow for vacant XXX, being listed in last XXX , and rate exception with LTV exception due to property being short term rental. There is an exception also in file to approve the property as XXX; however, there is no mention of compensating factors for any of these exceptions. Guideline section XXX Eligible Property Types states properties listed for sale within the last XXX months (XXX transactions) are ineligible in the Non-Prime program. Section XXX Ineligible Property Types states XXX and XXX of vacant properties are not considered to be acceptable collateral in any XXX programs. | Client provided attached document in response. | 04/01/2025 | Lender Exception for XXX; Subject property vacant; and listed for sale on a XXX approved by XXX and XXX.; Document Uploaded. | 04/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/28/2025 | A |
| 83324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/28/2025 | A |
| 83324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/28/2025 | A |
| 83329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements File is missing verification the the XXX EMD cleared the borrower's account. | Client provided attached document in response. | 04/02/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties verified | Client provided attached document in response. | 04/02/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Acknowledged | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Lender Exception for minimum tradelines not met approved by XXX. |  |  | Lender exception provided; compensating factors include: XXX FICO; Significant Reserves after closing; Subject in CX good condition. | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. Per lender matrix - deficient tradelines - Max XXX% LTV/CLTV: DSCR Ratio ≥ XXX housing history. Lender to provide XXX compensating factors. | Client provided attached document in response. | 04/02/2025 | Lender Exception for DSCR below minimum approved by XXX.; Document Uploaded. | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX exceeds Guideline LTV of XXX% Per lender matrix - deficient tradelines - Max XXX% LTV/CLTV: DSCR Ratio XXX housing history. Lender to provide XXX compensating factors. | Client provided attached document in response. | 04/02/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per lender matrix - deficient tradelines - Max XXX% LTV/CLTV: DSCR Ratio ≥ XXX housing history. Lender to provide XXX compensating factors. | Client provided attached document in response. | 04/02/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX exceeds Guideline CLTV of XXX% Per lender matrix - deficient tradelines - Max XXX% LTV/CLTV: DSCR Ratio XXX housing history. Lender to provide XXX compensating factors. | Client provided attached document in response. | 04/02/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 83370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender used XXX% ownership factor, however the CPA letter and LLC docs in file do not list out what percentage of the business the borrower owns. | Client provided attached document in response. | 04/02/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 04/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties verified. | Client provided attached document in response. | 04/02/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX exceeds Guideline LTV of XXX% Max LTV for housing XXX in the last XXX is XXX%. There is a lender exception in the file but is missing XXX compensating factors. | Client provided attached document in response. | 04/02/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Max LTV for housing XXX in the last XXX months is XXX%. There is a lender exception in the file but is missing XXX compensating factors. | Client provided attached document in response. | 04/02/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX exceeds Guideline CLTV of XXX% Max LTV for housing XXX in the last XXX is XXX%. There is a lender exception in the file but is missing XXX compensating factors. | Client provided attached document in response. | 04/02/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Missing Proof that the Borrower received a copy of the Initial CD al least XXX days prior to closing This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX)The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX 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 XXX 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 XXX no later than XXX business days before consummation. | Client provided attached document in response. | 03/06/2025 | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved; Document Uploaded. | 03/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 03/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCRE9488 | 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. All units were vacant at the time of application. There are leases in the file, however all leases were signed after application date of XX/XX/XXX. Lender GLs don't allow for vacant properties on XXXs. lender GLs. - XXX PROPERTY (NONOWNER OCCUPIED) - Vacant XXX properties are not eligible for a XXX transaction. XXX INELIGIBLE PROPERTY TYPES - XXX of vacant properties. | XXX Response: Subject is a new construction that required a XXX for completion so it would be customary to not enter into contracts with tenants until closer to completion. This is a new construction so Sec 3.41 does not apply for a case basis, this will be treated as any new build that has just finished completion and is just now housing tenants for the first time. The signing corresponds with the completion of the subject and it is only a coincidence that this happened after the application was taken | 04/02/2025 | Intent of borrower's occupancy supported; | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | XXX Does Not Meet Guideline Requirements Borrower received $XXX cash back at closing. Per lender GLs XXX - The borrower may receive incidental cash back up to $XXX of the loan amount, whichever is greater, not to exceed $XXX on XXX transactions. | XXX Response: Uploading FSS showing $XXX XXX | 04/02/2025 | Cash Out Meets Guideline Requirements; Document Uploaded. | 04/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. The file contains documentation to verify an appraisal was completed; however, the appraisal is not in file. Guideline section 14.1 General Requirements states XXX requires a complete original summary appraisal report on each property. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 04/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 83458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all parties verified. | Client provided attached document in response. | 04/03/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 83458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Missing proof that the Borrower received Initial CD at least XXX days prior to closing This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX)The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX 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 XXX 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 XXX no later than XXX business days before consummation. |  |  | initial CD receipt date provided; Exception resolved; initial CD receipt date provided; Exception resolved; Document Uploaded. | 03/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 83372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Rent loss coverage is missing on the borrower's HOI policy. | Client provided attached documentation in response. | 04/10/2025 | Rent Loss Coverage Present; Document Uploaded. ; Documentation provided does not a policy number or property address to match to the subject property. Please provide documentation that reflects rent loss insurance on the subject. Thank you.; Document Uploaded. | 05/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 83253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Final VOE dated within XXX hours of closing is missing from the loan file. | Client provided attached document(s) in response. | 03/12/2025 | Borrower X Xrd Party VOE Prior to Close Was Provided; Document Uploaded. | 03/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Full appraisal is missing from the file. Only 1007 rent comparison is in the file. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 03/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCRE9488 | 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. File indicates that the property was vacant at the time of application. The full appraisal is missing to verify this. The appraisal date XX/XX/XXXX and application date is XX/XX/XXXX. Lease agreement in file is dated XX/XX/XXXX, after application. Per lender GLs XXX Vacant Properties - XXX does not originate loans where the subject property(s) are vacant on XXXs (XXX or XXX). Per lender GLs XXX Property - Vacant XXX properties are not eligible for a XXX transaction.. Per lender GLs XXX Property Types - XXX of vacant properties are not eligible properties. |  |  | Intent of borrower's occupancy supported | 03/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Cured | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Desk Review is in file dated XX/XX/XXXX reflecting a value of $XXX. Appraised value is $XXX. | XXX Response: Uploading updated ULAW with comp factors for this refinance. The appraised value was reconciled down to the CDA value of $XXX which was used with a loan of $XXX for the LTV of XXX%. The field review was $XXX which supports the CDA value. Please run this by XXX for her guidance if necessary, she had helped us before with this scenario. | 04/02/2025 | Desk Review value used to qualify. Condition Cured.; Document Uploaded. | 04/03/2025 | C B A |
| 83226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Acknowledged | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired The appraisal in file is effective XX/XX/XXX, which is XXX days at funding; therefore, the appraisal is expired. Guideline section XXX Age of Appraisal Report states if the appraisal date is XXX days or more at funding, the original appraiser must provide an Appraisal Update with photos. | XXX Response: Uploading updated ULAW with comp factors | 04/02/2025 | Lender Exception to extend "recert of value" requirement from XX/XX/XXXX + XXX days to XX/XX/XXXX approved by XXX.; Compensation factors include: FICO of XXX above minimum required. DSCR of XXX above minimum required, Subject in XXX condition | 04/03/2025 | C B A |
| 83226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Acknowledged | FVAL5524 | Property | Ineligible Property | The appraisal reflects as tenant occupied; however, the appraisal photos do not reflect the subject as being occupied. Per the underwriting approval, the initial appraisal reflected the occupancy as vacant. Per lender GLs XXX Vacant Properties - XXX does not originate loans where the subject property(s) are vacant on XXXs (XXX or XXX). Per lender GLs XXX XXX Property - Vacant XXX properties are not eligible for a XXX transaction. Per lender GLs XXX Property Types - XXX of vacant properties are not eligible properties. | XXX Response: Uploading updated ULAW with comp factors | 04/02/2025 | Lender Exception for refinance on a vacant property approved by XXX.; Compensation factors include: FICO of XXX above minimum required. DSCR of XXXx above minimum required, Subject in CX condition | 04/03/2025 | C B A |
| 83226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/04/2025 | C B A |
| 83226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The desk review value of $XXX and loan amount of $XXX are used for an audit LTV/CLTV of XXX%. The file contains an approved exception for XXX% LTV increase to XXX% when the XXX LTV is XXX% max. Compensating factors include high FICO and DSCR above XXX%. Business Purpose Wholesale Rate Sheet XX-XX-XXXX reflects max LTV/CLTV of XXX%for FICO greater than or equal to XXX. |  |  | The file contains an approved exception for XXX% LTV increase to XXX% when the XXX LTV is XXX% max. Compensating factors include high FICO and DSCR above XXX%. Business Purpose Wholesale Rate Sheet XX/XX/XXXX reflects max LTV/CLTV of XXX% for FICO greater than or equal to XXX. | 03/03/2025 | C B A |
| 83226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The desk review value of $XXX and loan amount of $XXX are used for an audit LTV/CLTV of XXX%. The file contains an approved exception for XXX% LTV increase to XXX% when the XXX LTV is XXX% max. Compensating factors include high FICO and DSCR above XXX%. Business Purpose Wholesale Rate Sheet XX-XX-XXXX reflects max LTV/CLTV of XXX% for FICO greater than or equal to XXX. |  |  | The file contains an approved exception for XXX% LTV increase to XXX% when the XXX LTV is XXX% max. Compensating factors include high FICO and DSCR above XXX%. Business Purpose Wholesale Rate Sheet XX/XX/XXXX reflects max LTV/CLTV of XXX% for FICO greater than or equal to XXX. | 03/03/2025 | C B A |
| 83226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The desk review value of $XXX and loan amount of $XXX are used for an audit LTV/CLTV of XXX%. The file contains an approved exception for XXX% LTV increase to XXX% when the XXX LTV is XXX% max. Compensating factors include high FICO and DSCR above XXX%. Business Purpose Wholesale Rate Sheet XX-XX-XXXX reflects max LTV/CLTV of XXX% for FICO greater than or equal to XXX. |  |  | The file contains an approved exception for XXX% LTV increase to XXX% when the XXX LTV is XXX% max. Compensating factors include high FICO and DSCR above XXX%. Business Purpose Wholesale Rate Sheet XX/XX/XXXX reflects max LTV/CLTV of XXX% for FICO greater than or equal to XXX. | 03/03/2025 | C B A |
| 83330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% There is an approved exception in file to allow a maximum LTV/CLTV of XXX; however, there are no compensating factors noted. The LLPA Price Sheet NOO XX-XX-XXXX reflects a maximum LTV/CLTV of XXX% for XXX with greater than or equal to XXX FICO. | Client provided attached document in response. | 04/04/2025 | Approved to rate match for XXX on an XXX . Ok per XXX for XXX% LTV, comp factors, XXX FICO, borr S/E XXX years, XXX% DTI..; Document Uploaded. | 04/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% There is an approved exception in file to allow a maximum LTV/CLTV of XXX; however, there are no compensating factors noted. The LLPA Price Sheet NOO XX-XX-XXXX reflects a maximum LTV/CLTV of XXX% for XXX with greater than or equal to XXX FICO. | Client provided attached document in response. | 04/04/2025 | Approved to rate match for XXX on an XXX . Ok per XXX for XXX% LTV, comp factors, XXX FICO, borr S/E XXX years, XXX% DTI..; Document Uploaded. | 04/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% There is an approved exception in file to allow a maximum LTV/CLTV of XXX%; however, there are no compensating factors noted. The LLPA Price Sheet NOO XX-XX-XXXX reflects a maximum LTV/CLTV of XXX% for XXX with greater than or equal to XXX FICO. | Client provided attached document in response. | 04/04/2025 | Approved to rate match for XXX on an XXX . Ok per XXX for XXX% LTV, comp factors, XXX FICO, borr S/E XXX years, XXX% DTI..; Document Uploaded. | 04/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company and underwriter were not checked with the Exclusionary lists. | Client provided attached documents in response. | 04/04/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements XXX payments of $XXX to XXX from XXX is in the file. The mortgage / rental rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower XXX and / or XXX over the last XXX months. Provide verification of payment history over the last XXX months or, proof currently living with no primary housing payment for the months not documented. Provide a copy of the lease for XXX with monthly rent of $XXX with landlord XXX. Per GLs XXX DETERMINING MORTGAGE / RENTAL RATING & XXX VERIFICATION OF RENT PAYMENTS | Client provided attached documents in response. | 04/04/2025 | Lender Exception to accept housing rating as-is approved by XXX.; Document Uploaded. | 04/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Provide a URAR – Uniform Residential Appraisal Report with photos and XXX-Family Comparable Rent Schedule (FNMA Form 1007).<br> Vacant XXX properties are not eligible for a XXX transaction. XXX does not originate loans where the subject property is vacant on XXX (XXX or XXX). Per GL's XXX XXX Property & XXX Vacant Properties | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Title Report mortgage schedule shows XXX was executed prior to the mortgagors acquiring title to the subject property. The mortgage was recorded in the borrowers name XX/XX/XXXX. If the borrower XXX the subject property less than XXX months or the property changed XXX within the previous XXX months the value for determining the loan-to-value will be the lesser of: Lowest transfer value in the previous XXX months OR Appraised value. Provide the settlement statement from the XXX of the subject. Provide the payoff letter from XXX. | XXX Response: Uploading LOE from borrower as to what has been recently replaced to be able to use current appraised value.; XXX Response: Uploading payoff and appraisal, pg 2 shows the borrower bought in 10/23 but the recording was delayed. XXX Lending is agreeable with this information on the appraisal to show it was beyond a year since they purchased. | 04/18/2025 | Property Title Issue Resolved; Document Uploaded. ; Per Title and Deed in file, the borrower purchased the subject on XX/XX/XXXX (recorded XX/XX/XXXX) vs. XX/XX/XXXX listed on appraisal. Please provide the signed final Settlement Statement from the purchase of the subject property to confirm actual purchase date was XX/XX/XXXX > XXX months prior to the subject loan vs. XX/XX/XXXX in order to use the appraised value vs. the purchase price. Thank you.; Document Uploaded. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Provide the Conditional Loan Approval | XXX Response: Uploading approval. | 04/04/2025 | Approval/Underwriting Summary is fully present; Document Uploaded. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, title agent and underwriter were not checked with the Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/04/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Acknowledged | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Provide temporary XXX, XXX, or like evidence from a governing authority representing the Applicant has current legal status. | Client provided attached documentation in response. ; XXX Response: Uploading updated ULAW with comp factors. | 04/23/2025 | Lender Exception to treat as an ITIN borrower and FICO of XXX at XXX% due to no unexpired XXX or EAD approved by XXX.; Document Uploaded. ; Lender Approved Exception to treat as an ITIN due to no unexpired VISA or EAD received, however, minimum FICO for an ITIN Borrower is XXX per matrix vs. XXX used to qualify. Please provide revised ULAW that acknowledges approved exception for FICO of XXX vs. XXX required for an ITIN Borrower. Thank you.; Document Uploaded. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Acknowledged | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. | XXX Response: Uploading updated ULAW with comp factors.; XXX Response: Uploading appraisal. | 04/18/2025 | Lender Exception to allow property listed for sale on a XXX approved by XXX.; Document Uploaded. ; Page XXX of the appraisal dated XX/XX/XXXX indicates the subject was listed for sale (XXX) privately, not on XXX. Per section XXX of Lender Guides, properties listed for sale within XXX months are ineligible. The appraiser does not provide a date that the subject was listed privately to confirm it was no longer for sale and that it took place greater than XXX months prior to the application. ; Document Uploaded. ; One or more issues or defects with the property have been discovered. Upon review of the missing appraisal received the following exception has been added: The subject was listed for sale. Per section XXX of Lender Guides, properties listed for sale within the last XXX months are ineligible. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Property is a XXX of an XXX property and requires a lease agreement and 1007. Neither are in the file. XXX calculates the DSCR by dividing (a) the lesser of (i) annual in-place rent or (ii) market rent (reference §XXX) by (b) the sum of annual principal, interest, real estate taxes, property insurance, and XXX / XXX association fees (collectively, "PITIA"). | XXX Response: Uploading appraisal with 1007 on pg 22, along with lease agreement. | 04/04/2025 | ; Document Uploaded. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; n/a; .; .; Compliant | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Documentation in file verifies appraisal information; however, the appraisal is not in file. Guideline section 14.1 General Requirements states XXX requires a complete original summary appraisal report on each property. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties verified. | Client provided attached documents in response. | 04/04/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Acknowledged | FVAL5524 | Property | Ineligible Property | The pictures from the appraisal completion report reflect the property as vacant. An approved exception is in file to allow the vacancy provided a listing that the subject is for rent, call out C1 new building, and cert of occupancy date be provided. The listing verifying the subject is for rent is in file; however, a temporary certificate of occupancy is in file that expired XX/XX/XXXX, and the appraisal is missing to verify XXX status. Also, there are no compensating factors noted for the exception. Guideline section XXX Ineligible Property Types states XXX of vacant properties is not considered acceptable collateral in any XXX programs. | Client provided attached documents in response. | 04/04/2025 | Lender exception to move forward with newly built XXX unit approved by XXX.; Document Uploaded. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Acknowledged | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. | Client provided attached documents in response. | 04/04/2025 | Lender exception to allow vacant property on a refinance approved by XXX due to vacancy on a newly built property different than that of a XXX of an existing X unit with zero tenants.; Document Uploaded. ; One or more issues or defects with the property have been discovered. Upon review of the missing appraisal received, the following exceptions were discovered: XXX) Subject is Vacant on a DSCR XXX which is considered as an exception per Lender email in file. XXX) Growth Rate in XXX Section is blank. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCRE1728 | Credit | Missing rent comparable schedule form 1007 | The file does not contain the rent comparable schedule. Guideline section 14.12 Rent Schedules (FNMA Form 1007) states XXX requires the XXX Comparable Rent Schedule (FNMA Form 1007) for XXX properties on (i) all DSCR qualifying files, (ii) XXX-option XXX transactions where the down payment as required in XXX is generated from excess monthly rent contributions, or (iii) when proposed rental income is being used to qualify. |  |  | Provided; finding resolved | 03/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; n/a; .; .; Compliant | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Provide a copy of the subject current signed lease. XXX calculates the DSCR by dividing the lesser of annual in-place rent or market rent. Per GL's Debt Service Coverage Ratio | Client provided attached documents in response. | 04/04/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underwriter were not checked with Exclusionary lists. | Client provided attached documents in response. | 04/04/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; n/a; .; .; Compliant | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; n/a; .; .; Compliant | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing FIle is missing a final VOE completed within XXX hours of closing. Per lender GLs - A verbal verification of employment ("VVOE") will be conducted by CSC within XXX hours prior to funding |  |  | Borrower X Xrd Party VOE Prior to Close Was Provided; Document Uploaded. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. There is no TPV in the file, lender to provide for review. |  |  | Third party valuation product provided within tolerance. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report verifying all parties have been cleared. | Client provided attached documentation in response. | 04/07/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Acknowledged | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The Property is a XXX. The Property is a new construction, builder still in control of the HOA. Per LOE in file: There are XXX units are under contract in the first phase. Out of those units under contract XXX are XXX and XXX units are owner occupied. In all, XXX units have been conveyed with more units closing daily.<br> Per Lender GLs. XXX– Newer Projects • XXX% of the total units in the project or subject's phase must be sold and conveyed to the unit owners AND at least XXX% of the units must be owner occupied. • HOA should be in control – project under Developer or Builder control will be considered on a case-by-case basis only. |  |  | Document Uploaded. Lender Exception to allow XXX approved by XXX. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Borrower is a XXX. There are XXX on credit and no REO on fraud. Per lender GLsXXX- Where a FTHB is purchasing a XXX or XXX property, XXX Management will assess on a case-by-case basis. | Client provided attached documentation in response. ; Client provided attached document in response. | 04/07/2025 | Lender Exception to allow a XXX to purchase an XXX property approved by XXX.; Document Uploaded. ; Collateral Desk Review Received, however, does not clear original exception set on XX/XX/XXXX: Borrower is a XXX. There are no mortgages on credit and no REO on fraud. Per lender GLs FTHB XXX- Where a FTHB is XXX a XXX or XXX property, XXX Senior Management will assess on a case-by-case basis.; Document Uploaded. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender to provide mortgage statements verifying tax and insurance escrowed in mortgage payment or provide all PITIA documents for the following REO: XXX | XXX Response: Loan qualified via ATRIF so no monthly credit or REO items would be verified since the borrower has the ability to repay the entire loan at any time. | 04/07/2025 | Housing History Meets Guideline Requirements; | 04/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties verified | XXX Response: Uploading updated DataVerify report. | 04/07/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83374 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83374 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83374 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 83373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company was not checked with Exclusionary lists. | Client provided attached document in response. | 04/08/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 83450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 83354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Provide a Complete original appraisal with interior/exterior photos of subject & comps ordered through XXX Lending approved AMC.<br> The 1007/Rental survey is required for an XXX property. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in XXX. FEMA declaredXXX a disaster area. Provide a post disaster inspection report. |  |  | Property Inspection Provided. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company and settlement agent were not checked with Exclusionary lists. | Client provided attached document in response. | 04/08/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Unable to locate history for the specified borrower XXX. Verify that the XXX belongs to the borrower.<br> Lender to Clear |  |  | All Fraud Report Alerts have been cleared or None Exist; Document Uploaded. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing Appraisal and Comparable Rent Schedule. to support $XXX value used to qualify and $XXX market rent used for DSCR. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in XXX. Missing Post Disaster Inspection Report or appraiser comment indicating no damage. Individual Assistance FEMA #XXX, initial declaration XX/XX/XXXX, loan closed XX/XX/XXXX. | Client provided attached document in response. | 03/17/2025 | Property Inspection Provided.; Document Uploaded. | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Acknowledged | FCOM8804 | Credit | Missing Loan program disclosure | Missing the Certificate of Loans To One Borrower Disclosure. Pricing email indicates subject is part of a XXX loan deal. Must meet GL Section XXX - Number of Loans to One Borrower. |  |  | Acknowledged with B grading | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 83353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Documentation in file reflects an appraisal was used for the subject property; however, the appraisal is not in file. Guideline section 14.1 General Requirements states XXX requires a complete original summary appraisal report on each property. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 03/13/2025 | D A |
| 83251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/11/2025 | D A |
| 83251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/11/2025 | D A |
| 83352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Documentation in file verifies an appraisal was completed on the subject; however, the appraisal is not in file. Guideline section 14.1 General Requirements state XXX requires a complete original summary appraisal report on each property. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 04/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. The subject property is located in XXX and was impacted by XXX, which has a disaster declaration of XX/XX/XXXX. The incident period ended XX/XX/XXXX; however, there is no appraisal or post disaster inspection to verify there was no damage to the subject property. | XXX Response: Uploading updated gift letter and receipt for $XXX and 1003 updated to show $XXX gift. | 04/08/2025 | Asset Record X Meets G/L Requirements Or Not Applicable; Document Uploaded. ; Document Uploaded. | 04/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | XXX Response: Uploading updated DataVerify report. | 04/08/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FPRO1136 | 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 |  |  | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | 04/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 83356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Documentation in file to verify an appraisal was completed; however, the appraisal is not in file. Guideline section 14.1 General Requirements states XXX requires a complete original summary appraisal report on each property. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |
| 83356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in XXX. The subject property is located in XXX and was impacted by XXX, which has a disaster declaration of XX/XX/XXXX. The incident period ended XX/XX/XXXX; however, there is no appraisal or post disaster inspection to verify there was no damage to the subject property. |  |  | Property Inspection Provided. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE1162 | Credit | Flood Certificate Partially Provided | Flood Certificate is Partially Provided The Flood Certificate in file reflects the borrower as XXX; however, the borrower is XXX. The borrower name is required to be updated to XXX | XXX Response: Uploading updated flood cert. | 04/08/2025 | Flood Certificate is fully present; Document Uploaded. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE1213 | Credit | Corporate Loan Resolution is Missing | The Operating Agreement reflects a XXX% owner of XXX; however, there is no consent or resolution in file that states the borrower has the authority to conduct this transaction. Guideline section XXX Borrowing Entities D. Entity Documentation Requirements states A XXX Written Consent/Board Resolution signed by all members regardless of their percentage of interest (i) authorizing the transaction with XXX Lending, and (ii) identifying the authorized to sign the loan documents on behalf of and to bind the entity. A corporate resolution granting the signatory authority to enter into the loan transaction is missing from the file. | XXX Response: Uploading Operating Agreement, Article III, #11, a majority ownership allows to encumber properties, borr owns XXX% of the LLC so he has every right to do this refinance. | 04/08/2025 | Operating Agreement lists Borrower as XXX% owner of XXX. #XXX in OA indicates only majority member can sign/incur debt, therefore, a consent is not required per guides (see bottom of page XXX). In addition XXX only requires an ownership in an entity >= to XXX% to provide a recourse guarantee. Condition cleared.; Document Uploaded. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The file does not contain the Certificate of Formation or Articles of Incorporation for XXX. Guideline section XXX Borrowing Entities D. Entity Documentation Requirements states a complete, legible copy of the Certificate of Formation/Articles of Organization and all amendments thereto are required. | XXX Response: Uploading Articles for XXX. | 04/08/2025 | ; Document Uploaded. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE1728 | Credit | Missing rent comparable schedule form 1007 | The file does not contain a comparable rent schedule 1007 to verify the rent amount used to qualify is accurate. Guideline section XXX Rent Schedules (FNMA Form 1007) states XXX requires the XXX Comparable Rent Schedule (FNMA Form 1007) for XXX properties on (i) all DSCR qualifying files, (ii) XXX-option XXX transactions where the down payment as required in XXX is generated from excess monthly rent contributions, or (iii) when proposed rental income is being used to qualify. |  |  | Provided; finding resolved | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows mortgage with XXX reported through XXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last XXX months. All reported mortgages on credit should be considered. Provide evidence XXX payment for #XXX was made. Per GL's XXX Determining Mortgage Rating | XXX Response: Per credit memo dated XX/XX/XXXX, if there are no lates reporting in the last 12 months, then the rating expiration is changed to 90 days so we can forego the 1/25 rating. | 04/09/2025 | Housing History Meets Guideline Requirements per XX/XX/XXXX XXX.; | 04/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A receipt for $XXX XXX is in the file. Provide a Copy of check (canceled or not canceled) or Bank statement showing the check or wire cleared. Per GL's XXX | XXX Response: Uploading ledger showing the wire cleared. | 04/09/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 04/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, Settlement agent (XXX), processor and underwriter were not checked with Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/09/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 83460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing Appraisal (Form 1004). | Client provided attached document in response. | 03/13/2025 | Appraisal is Present or is Waived; Document Uploaded. | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in XXX. Missing Post Disaster Inspection Report or appraiser comment indicating no damage. FEMA Individual Assistance incident #XXX initially declaration XX/XX/XXXX, loan closed XX/XX/XXXX. |  |  | Property Inspection Provided. | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 83460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 84112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report reflecting the Loan Participant Analysis with all required participants verified as interest parties. | Client provided attached document in response. | 05/30/2025 | All Interested Parties Checked against Exclusionary Lists. An updated fraud report was provided and shows all parties were checked and verified.; Document Uploaded. | 06/02/2025 | C B A |
| 84112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Acknowledged | FCRE9992 | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The borrower has not contributed XXX% to the transaction due to only contributing $XXX. Guideline XXX Gift Funds | Client provided attached document in response. | 05/30/2025 | Ok per XXX to not meeting minimum contribution, comp factors, positive DSCR, significant reserves after closing, subject is a XXX new build.; Document Uploaded. | 06/02/2025 | C B A |
| 84112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/28/2025 | C B A |
| 84112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/28/2025 | C B A |
| 84117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The title commitment reflects coverage amount of $XXX, which is not equal to the mortgage amount. Guideline section XXX Title Insurance Requirements B. Acceptable Minimum Coverage | XXX Response: Uploading prelim with correct loan amount. | 06/01/2025 | ; Updated policy with correct loan amount was in file on page XXX.; Document Uploaded. | 06/03/2025 | C A |
| 84117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCRE0382 | 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. | XXX Response: At XXX% DTI, the funds to close need only be listed on the 1003. UW was mistaken with the condition that required full assets as DSCR needing over $XXX to close are only required at LTV's over XXX%. | 06/01/2025 | Funds are found to meet guidelines.; | 06/03/2025 | C A |
| 84117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/28/2025 | C A |
| 84117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/28/2025 | C A |
| 84085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the seller as a verified interested party. | Client provided attached document in response. | 05/30/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/02/2025 | C A |
| 84085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/01/2025 | C A |
| 84085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/01/2025 | C A |
| 84273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. The borrower's are XXX using the ITIN program. Provide the ITIN letter's for both borrower's. | Client provided attached document in response. ; XXX Response: Loan is being treated as an ITIN since they do not have the requisite documents for NPRA, these can still have actual SSN's but are closed as ITIN. The 1003 does not have this as an option so it will read as an NPRA. | 06/20/2025 | ; Lender rebuttal reviewed with Management. Okay to resolve even if condition on Lender approval is not received since it is not in the guidelines. ; Document Uploaded. ; Please provide signed LOE from Borrowers regarding not being able to provide proof of legal residency (as required per Loan Approval). LOE in file does not indicate why they were unable to provide proof of residency. Thank you.; | 06/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 84273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. The statement from XXX shows a $XXX deposit by wire on XX/XX/XXXX. Provide the documentation to show source of the funds. Per GL's XXX | XXX Response: Uploading Final HUD from sale of XXX | 06/11/2025 | Asset Record X Meets G/L Requirements; Document Uploaded. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 84273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements An escrow letter verifies the receipt of XXX funds totaling $XXX. Provide a copy of the wires for $XXX and $XXX per the escrow deposit Letter. Per GL's XXX | XXX Response: Uploading wires and bank statement showing withdraw of wires. | 06/11/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 84273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent, XXX XXX XXX and Underwriter with Exclusionary lists. | Client provided attached documentation in response. | 05/29/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 84273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML Compliant | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 84273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCRE1162 | Credit | Flood Certificate Partially Provided | Flood Certificate is Partially Provided The Flood Cert #XXX is illegible. Provide a clear readable copy. | Client provided attached documentation in response. ; Client provided attached document in response. | 06/18/2025 | Flood Certificate is fully present; Document Uploaded. ; Flood Cert provided is for incorrect property. Subject is XXX #XXX, XXX, however, the cert provided is for XXX. Please provide a legible flood cert for the subject property. Thank you.; Document Uploaded. | 06/19/2025 | D B A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is XXX but XXX Contract Doc is Incomplete The XXX contract page XXX is illegible. Provide a clear and readable contract. | XXX Response: Uploading legible pgs 1 - 10 of contract | 06/13/2025 | Purchase Contract Doc is complete.; Document Uploaded. | 06/19/2025 | D B A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, seller's broker, buyers broker, settlement agent, and underwriter with Exclusionary lists. | Client provided attached documentation in response. | 05/29/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/19/2025 | D B C A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The March XXX statement is in the file. XXX, regardless of LTV need to document XXX days seasoning. Provide the XXX bank statement for XXX, with a letter from the joint account holder stating borrower has XXX% access to the funds. Per GL's XXX | XXX Response: Uploading Feb bank statement for account #XXX. An access letter is not required for any borrower listed as an owner on the account, they already have XXX% legal access by being on the account. | 06/13/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 06/19/2025 | D B C A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. A XXX borrower with a an LTV > XXX requires a DSCR of XXX or greater. | XXX Response: Uploading updated ULAW with comp factors. | 06/13/2025 | Lender Exception for DSCR less than XXX approved by XXX.; Comp factors include: XXX FICO; XXX months reserves; Subject in XXX good condition, Borrower has $XXX in liquid assets after closing, above the minimum reserve requirement per the guidelines | 06/13/2025 | D B C A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX The maximum LTV for a loan with DSCR between XXX and XXX is XXX. | XXX Response: Uploading updated ULAW with comp factors. | 06/13/2025 | Lender Exception to XXX% approved by XXX.; Comp factors include: XXX FICO; XXX months reserves; Subject in XXX good condition, Borrower has $XXX in liquid assets after closing, above the minimum reserve requirement per the guidelines | 06/13/2025 | D B C A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX The maximum CLTV for a loan with DSCR between XXX and XXX is XXX. | XXX Response: Uploading updated ULAW with comp factors. | 06/13/2025 | Lender Exception to XXX% approved by XXX.; Comp factors include: XXX FICO; XXX months reserves; Subject in XXX good condition, Borrower has $XXX in liquid assets after closing, above the minimum reserve requirement per the guidelines | 06/13/2025 | D B C A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for a loan with DSCR between XXX and XXX is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 06/13/2025 | Lender Exception to XXX% approved by XXX.; Comp factors include: XXX FICO; XXX months reserves; Subject in XXX good condition, Borrower has $XXX in liquid assets after closing, above the minimum reserve requirement per the guidelines | 06/13/2025 | D B C A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/07/2025 | D B A |
| 84103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/07/2025 | D B A |
| 84208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The borrower is a non-permanent resident. Provide the ITIN letter/card. | Client provided attached documentation in response. | 06/17/2025 | ; Document Uploaded. | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal This loan failed the higher-priced mortgage loan test. (XXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 05/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 84279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 84279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 84282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX higher-priced mortgage loan test. (XXX, XXXFinancial 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 XXXFinancial Code.While the XXXFinancial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing HUD-1 / Note to verify terms of the concurrent XXX loan (#XXX). | Client provided attached document(s) in response. ; Client provided attached documentation in response. ; Client provided attached document in response. | 06/30/2025 | Lender exception approval for missing HOA letter stating "no HOA dues". Comp factors XX.XXX% DTI, XXX% LTV, significant reserves after closing, S/E XXX yrs; Document Uploaded. ; Thank you for providing the PITI, however, we are still missing documentation to confirm if there are any HOA dues. Please provide verification of HOA dues (or LOE from borrower confirming no HOA dues) for XXX. Thank you.; Document Uploaded. ; Documentation provided was for subject loan. Please provide documentation to verify terms/conditions/PITIA for concurrent loan #XXX secured against XXX. Thank you.; Document Uploaded. | 07/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Bank Statement loan not allowed on XXX Score / No Score program, only Full Doc for XXX months allowed. Ok, per XXX, for Score/No Score program with use of XXX months Bank Statements; however, missing a minimum of XXX compensating factors prior to XXX Acknowledging. | Client provided attached documentation in response. | 06/18/2025 | Lender Exception for XXX score XXX month bank statement program approved by XXX.; Document Uploaded. | 06/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | FCOM3987 | Compliance | Missing evidence required disclosure provided at closing | Missing a completed Certificate of Loans to One Borrower disclosure. | Client provided attached document in response. | 06/03/2025 | Document provided on page XXX of Closing Package. Condition cleared.; Document Uploaded. | 06/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX higher-priced mortgage loan test. (XXX, XXXFinancial 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 XXXFinancial Code.While the XXXFinancial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 05/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 84268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 50470 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete |  | Resolved | FCOM8997 | Compliance | No Compliance Findings | The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations. |  |  | Compliant |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 50470 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete |  | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |

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## Exhibit 99.27

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.27**

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| **MFA Loan ID** | **Seller Loan ID** | **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** | **Agency ID** | **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** |
| 83385 | XXXXX | 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 |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | 36 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83386 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 82615 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83388 | XXXXX | 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 |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 172 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83241 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: 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 |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83394 | XXXXX | 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 |  |  |  | Asset Depletion | No | Yes | Yes | 3 | Personal | 100.00 | 3 |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 83248 | XXXXX | XXX | XX/XX/XXXX | ATR/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 |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 84 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83404 | XXXXX | 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 | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | 195 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83402 | XXXXX | 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 | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | 36 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83264 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83415 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 51 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83395 | XXXXX | 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 |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 25 | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | 0 |  | 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 |  | No | XXX |
| 83408 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 94 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83247 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83267 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83252 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83258 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83243 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83292 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83227 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 82695 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83260 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83391 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 96 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83219 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83418 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83417 | XXXXX | 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 |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 31 | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 83427 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83424 | XXXXX | 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 |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 83314 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83308 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 7/1 or 7/6 Mos ARM |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83426 | XXXXX | 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 | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | 12 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | 0 |  | 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 |  | No | XXX |
| 83390 | XXXXX | 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 | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83440 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83425 | XXXXX | 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 |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | 36 | Yes | 46 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | 0 |  | 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 | No | XXX |
| 83378 | XXXXX | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 12 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 82577 | XXXXX | XXX | XX/XX/XXXX | ATR/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 | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | 108 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83293 | XXXXX | XXX | XX/XX/XXXX | ATR/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 |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 1 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83438 | XXXXX | 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 | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | 72 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 83459 | XXXXX | 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 | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | 66 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83382 | XXXXX | 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 |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | Yes | No | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83232 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83309 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 83231 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83228 | XXXXX | XXX | XX/XX/XXXX | ATR/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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83281 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 83272 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 83451 | XXXXX | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 24 | Yes | 37 | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83342 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83351 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 83340 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 82697 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83448 | XXXXX | 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 |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 48 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83255 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 83362 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83298 | XXXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83246 | XXXXX | XXX | XX/XX/XXXX | ATR/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 |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | Yes | No | 24 | No | 0 | 1 | 0 | No | 0 | 0 | 1 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 83289 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83217 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83268 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83302 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83306 | XXXXX | 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 | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83324 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83329 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83370 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83266 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83458 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 31 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83372 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 83253 | XXXXX | XXX | XX/XX/XXXX | ATR/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 |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 24 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83226 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83330 | XXXXX | XXX | XX/XX/XXXX | ATR/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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | 46 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 83365 | XXXXX | XXX | XX/XX/XXXX | ATR/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 |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | 0 | No | 0 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 83343 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83327 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83337 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83239 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83357 | XXXXX | XXX | XX/XX/XXXX | ATR/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 |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 24 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 83461 | XXXXX | 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 |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83421 | XXXXX | 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 |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83374 | XXXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83371 | XXXXX | 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 |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83373 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 72 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83450 | XXXXX | 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 |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  | XXX% |  |  | Yes | No | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 83354 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83355 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83353 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83251 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83352 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83356 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83364 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 83460 | XXXXX | 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 | 12 | Business and Personal | 100.00 |  |  | 12 | XXX% |  |  |  | Yes | No | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84112 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84117 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84085 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84273 | XXXXX | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% | XXX% |  |  | Yes | No | 144 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84103 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84208 | XXXXX | 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 | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | 88 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84279 | XXXXX | 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 |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 4 | Yes | No | 63 | No | 0 | 0 | 0 | No | 0 | 2 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84282 | XXXXX | 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 | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | 148 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84268 | XXXXX | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX% | XXX% |  |  | Yes | No | 360 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 50470 | XXXXX |  |  | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX |  |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 ARM IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX% | XXX% |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.000 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |

---

## Exhibit 99.28

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.28**

---

| | | | |
|:---|:---|:---|:---|
| **MFA Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 83385 | XXXXX |  | $XXXXXX C A |
| 83386 | XXXXX |  | $XXXXXX D A |
| 82615 | XXXXX |  | $XXXXXX D A C B |
| 83388 | XXXXX |  | $XXXXXX D A B |
| 83241 | XXXXX |  | $XXXXXX C A |
| 83394 | XXXXX |  | $XXXXXX C A D |
| 83248 | XXXXX |  | $XXXXXX D A C B |
| 83404 | XXXXX |  | $XXXXXX D A |
| 83402 | XXXXX |  | $XXXXXX D A C B |
| 83264 | XXXXX |  | $XXXXXX C A |
| 83415 | XXXXX |  | $XXXXXX A |
| 83395 | XXXXX |  | $XXXXXX D A |
| 83408 | XXXXX |  | $XXXXXX D A |
| 83247 | XXXXX |  | $XXXXXX C A |
| 83267 | XXXXX |  | $XXXXXX A B |
| 83252 | XXXXX |  | $XXXXXX C A |
| 83258 | XXXXX |  | $XXXXXX C A B |
| 83243 | XXXXX |  | $XXXXXX A |
| 83292 | XXXXX |  | $XXXXXX C A B |
| 83227 | XXXXX |  | $XXXXXX C A |
| 82695 | XXXXX |  | $XXXXXX C A B |
| 83260 | XXXXX |  | $XXXXXX C A B |
| 83391 | XXXXX |  | $XXXXXX C B A |
| 83219 | XXXXX |  | $XXXXXX D A |
| 83418 | XXXXX |  | $XXXXXX A |
| 83417 | XXXXX |  | $XXXXXX C D B A |
| 83427 | XXXXX |  | $XXXXXX C A B |
| 83424 | XXXXX |  | $XXXXXX A |
| 83314 | XXXXX |  | $XXXXXX C A B |
| 83308 | XXXXX |  | $XXXXXX D A B |
| 83426 | XXXXX |  | $XXXXXX C A B |
| 83390 | XXXXX |  | $XXXXXX A |
| 83440 | XXXXX |  | $XXXXXX D A B |
| 83425 | XXXXX |  | $XXXXXX D C A |
| 83378 | XXXXX |  | $XXXXXX B A |
| 82577 | XXXXX |  | $XXXXXX C A B |
| 83293 | XXXXX |  | $XXXXXX A C |
| 83438 | XXXXX |  | $XXXXXX C A B |
| 83459 | XXXXX |  | $XXXXXX A |
| 83382 | XXXXX |  | $XXXXXX D A B |
| 83232 | XXXXX |  | $XXXXXX A |
| 83309 | XXXXX |  | $XXXXXX C A B |
| 83231 | XXXXX |  | $XXXXXX B A |
| 83228 | XXXXX |  | $XXXXXX C A B |
| 83281 | XXXXX |  | $XXXXXX C A B |
| 83272 | XXXXX |  | $XXXXXX C A |
| 83451 | XXXXX |  | $XXXXXX D A |
| 83342 | XXXXX |  | $XXXXXX C A |
| 83351 | XXXXX |  | $XXXXXX C A B |
| 83340 | XXXXX |  | $XXXXXX C D A B |
| 82697 | XXXXX |  | $XXXXXX C A |
| 83448 | XXXXX |  | $XXXXXX D A |
| 83255 | XXXXX |  | $XXXXXX A D |
| 83362 | XXXXX |  | $XXXXXX C A |
| 83298 | XXXXX |  | $XXXXXX C A B |
| 83246 | XXXXX |  | $XXXXXX D A B |
| 83289 | XXXXX |  | $XXXXXX D A B |
| 83217 | XXXXX |  | $XXXXXX C A |
| 83268 | XXXXX |  | $XXXXXX A |
| 83302 | XXXXX |  | $XXXXXX C A B |
| 83306 | XXXXX |  | $XXXXXX A C B |
| 83324 | XXXXX |  | $XXXXXX A |
| 83329 | XXXXX |  | $XXXXXX C A B |
| 83370 | XXXXX |  | $XXXXXX C A B |
| 83266 | XXXXX |  | $XXXXXX C A |
| 83458 | XXXXX |  | $XXXXXX C D A |
| 83372 | XXXXX |  | $XXXXXX D A |
| 83253 | XXXXX |  | $XXXXXX D A |
| 83226 | XXXXX |  | $XXXXXX B A C |
| 83330 | XXXXX |  | $XXXXXX C A B |
| 83365 | XXXXX |  | $XXXXXX A |
| 83343 | XXXXX |  | $XXXXXX C A B |
| 83327 | XXXXX |  | $XXXXXX D A B |
| 83337 | XXXXX |  | $XXXXXX D A B |
| 83239 | XXXXX |  | $XXXXXX C A |
| 83357 | XXXXX |  | $XXXXXX D A C B |
| 83461 | XXXXX |  | $XXXXXX C A |
| 83421 | XXXXX |  | $XXXXXX A |
| 83374 | XXXXX |  | $XXXXXX A |
| 83371 | XXXXX |  | $XXXXXX A |
| 83373 | XXXXX |  | $XXXXXX C A |
| 83450 | XXXXX |  | $XXXXXX A |
| 83354 | XXXXX |  | $XXXXXX C A D |
| 83355 | XXXXX |  | $XXXXXX B A D |
| 83353 | XXXXX |  | $XXXXXX A |
| 83251 | XXXXX |  | $XXXXXX A D |
| 83352 | XXXXX |  | $XXXXXX C A D |
| 83356 | XXXXX |  | $XXXXXX D A |
| 83364 | XXXXX |  | $XXXXXX C A |
| 83460 | XXXXX |  | $XXXXXX A D |
| 84112 | XXXXX |  | $XXXXXX C A B |
| 84117 | XXXXX |  | $XXXXXX C A |
| 84085 | XXXXX |  | $XXXXXX C A |
| 84273 | XXXXX |  | $XXXXXX D A |
| 84103 | XXXXX |  | $XXXXXX D A B |
| 84208 | XXXXX |  | $XXXXXX C A |
| 84279 | XXXXX |  | $XXXXXX A |
| 84282 | XXXXX |  | $XXXXXX A |
| 84268 | XXXXX |  | $XXXXXX C B A |
| 50470 | XXXXX |  | $XXXXXX A |

---

## Exhibit 99.29

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MFA 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** |
| 83385 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83386 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 82615 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.26 | 66.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 83388 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 83241 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83394 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 51.22 | 51.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 83248 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0056 | 1025 Small Residential Income Report |  |  |  |  | $XXX | $XXX | .0056 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83404 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 83402 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 83264 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 83415 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 83395 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.35 | 53.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83408 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.5 | 56.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 83247 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83267 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83252 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 83258 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.96 | 63.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83243 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.38 | 46.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83292 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83227 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.65 | 70.65 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 82695 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 83260 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.04 | 63.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83391 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.77 | 72.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 83219 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.99 | 62.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83418 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 83417 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 83427 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83424 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 83314 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83308 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.12 | 74.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 83426 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83390 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 83440 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83425 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 83378 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.63 | 52.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 82577 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83293 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83438 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 83459 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83382 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.51 | 47.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83232 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.29 | 64.29 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 83309 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 83231 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83228 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83281 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83272 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 43.79 | 43.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83451 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.9 | 61.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83342 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.58 | 72.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 83351 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83340 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 82697 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.23 | 69.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 83448 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83255 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.0 | 60.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 83362 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0444 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0444 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 83298 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.97 | 54.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83246 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 83289 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0694 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0694 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 83217 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83268 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83302 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83306 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 83324 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 83329 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 83370 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83266 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.97 | 68.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0034 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83458 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 83372 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.67 | 50.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 83253 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83226 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.95 | 78.95 | $XXX | $XXX | -.2400 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2400 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 83330 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.84 | 79.84 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 83365 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 61.43 | 61.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83343 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83327 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83337 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.0 | 65.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83239 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 83357 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83461 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.38 | 52.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 83421 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.1 | 65.1 |  |  |  |  | $XXX | $XXX | .0055 | 1004 URAR | $XXX | $XXX | .0055 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 83374 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.19 | 53.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 83371 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 83373 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.09 | 49.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83450 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83354 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 83355 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 83353 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83251 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83352 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 83356 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83364 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.19 | 75.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 83460 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 84112 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 84117 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.66 | 58.66 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 84085 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.99 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 84273 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 84103 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 84208 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 84279 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0978 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0978 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 84282 | XXXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 84268 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 50470 | XXXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |

---

## Exhibit 99.30

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MFA Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 83306 | XXXXX | Qualifying FICO | XXX | XXX | Per guidelines; highest middle score for DSCR |

---

## Exhibit 99.31

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.31**

![](ex9931001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary<br> MFA 2025-NQM3<br> July 21, 2025<br>

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br> **P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9931002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services, LLC ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by MFA Financial, Inc. (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client via a Reliance Letter.

**Sample size of the assets reviewed.** 

The final population of the Review covered 69 Loans, including 14 residential and 55 business purpose loans, totaling an aggregate original principal balance of approximately $30,022,720.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. (Fitch), the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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| | | |
|:---|:---|:---|
| ![](ex9931003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](ex9931002.jpg)

Forward Thinking. Seamless Solutions.

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

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

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

*Credit Application*

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

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| | | |
|:---|:---|:---|
| ![](ex9931003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](ex9931002.jpg)

Forward Thinking. Seamless Solutions.

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

*Valuation Review*

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

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

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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|:---|:---|:---|
| ![](ex9931003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](ex9931002.jpg)

Forward Thinking. Seamless Solutions.

*Asset Review*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

*Insurance*

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

● Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.

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| | | |
|:---|:---|:---|
| ![](ex9931003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](ex9931002.jpg)

Forward Thinking. Seamless Solutions.

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

● Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.

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

● Review additional items for confirmation of non-owner occupancy possibly including:

○ That the credit report address is different than the subject property

○ There is a lease in place if the loan is a refinance

○ There is landlord insurance on the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

Evolve will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by Evolve. All material discrepancies will be noted.

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| | | |
|:---|:---|:---|
| ![](ex9931003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](ex9931002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;18.84% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;55 | &nbsp;&nbsp;79.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**69** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;52 | &nbsp;&nbsp;75.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;24.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**69** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;68 | &nbsp;&nbsp;98.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**69** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| ![](ex9931003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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![](ex9931002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;73.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;26.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**69** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;28 | &nbsp;&nbsp;69 | &nbsp;&nbsp;40.58% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;12 | &nbsp;&nbsp;69 | &nbsp;&nbsp;17.39% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;15 | &nbsp;&nbsp;69 | &nbsp;&nbsp;21.74% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;28 | &nbsp;&nbsp;69 | &nbsp;&nbsp;40.58% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;32 | &nbsp;&nbsp;69 | &nbsp;&nbsp;46.38% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;69 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;3 | &nbsp;&nbsp;69 | &nbsp;&nbsp;4.35% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;69 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;32 | &nbsp;&nbsp;69 | &nbsp;&nbsp;46.38% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;38 | &nbsp;&nbsp;69 | &nbsp;&nbsp;55.07% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;14 | &nbsp;&nbsp;69 | &nbsp;&nbsp;20.29% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;4 | &nbsp;&nbsp;69 | &nbsp;&nbsp;5.80% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;69 | &nbsp;&nbsp;14.49% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;7 | &nbsp;&nbsp;69 | &nbsp;&nbsp;10.14% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;69 | &nbsp;&nbsp;13.04% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;69 | &nbsp;&nbsp;2.90% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;47 | &nbsp;&nbsp;69 | &nbsp;&nbsp;68.12% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;69 | &nbsp;&nbsp;2.90% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;54 | &nbsp;&nbsp;69 | &nbsp;&nbsp;78.26% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;23 | &nbsp;&nbsp;69 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;39 | &nbsp;&nbsp;69 | &nbsp;&nbsp;56.52% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;26 | &nbsp;&nbsp;69 | &nbsp;&nbsp;37.68% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;69 | &nbsp;&nbsp;2.90% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;69 | &nbsp;&nbsp;2.90% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;23 | &nbsp;&nbsp;69 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;69 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;65 | &nbsp;&nbsp;69 | &nbsp;&nbsp;94.20% |

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| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;13 | &nbsp;&nbsp;69 | &nbsp;&nbsp;18.84% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;16 | &nbsp;&nbsp;69 | &nbsp;&nbsp;23.19% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;27 | &nbsp;&nbsp;69 | &nbsp;&nbsp;39.13% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;25 | &nbsp;&nbsp;69 | &nbsp;&nbsp;36.23% |

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**APPENDIX A**

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

 ****

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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|  | vi) | any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

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ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

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For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied

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(i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside

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Forward Thinking. Seamless Solutions.

counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex9931003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

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![](ex9931002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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|:---|:---|:---|
| ![](ex9931003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

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![](ex9931002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

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|:---|:---|:---|
| ![](ex9931003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

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## Exhibit 99.32

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.32**

![](evolve-logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 07/21/2025 2:02:09 PM** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1630054 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1636979 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1630853 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1630708 | XXXX | XXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1630499 | XXXX | XXXX | XXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1632203 | XXXX | XXXX | XXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1630704 | XXXX | XXXX | XXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1631926 | XXXX | XXXX | XXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1632162 | XXXX | XXXX | XXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1631987 | XXXX | XXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1629860 | XXXX | XXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1633857 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1631094 | XXXX | XXXXX | XXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1630916 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1633855 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1629301 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1630012 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1632164 | XXXX | XXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1632240 | XXXX | XXXX | XXXXX C | C | C | C | C | C B | A | A | A | A | A B |
| 1632765 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1631100 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632727 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1632854 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1638806 | XXXX | XXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1367561 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1361241 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1632264 | XXXX | XXXX | XXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1632913 | XXXX | XXXX | XXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1632507 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1631934 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632724 | XXXX | XXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1630336 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1630329 | XXXX | XXXX | XXXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 1631013 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1631635 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1631818 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1630648 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1633207 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1636943 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1634441 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1634987 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1634989 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1638961 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1639275 | XXXX | XXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632330 | XXXX | XXXXX | XXXX C | C | C | C | C | C B | A | A | A | A | A B |
| 1631978 | XXXX | XXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1631877 | XXXX | XXXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1631394 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632595 | XXXX | XXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1632914 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1638846 | XXXXX | XXXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1631089 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632178 | XXXXX | XXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1630913 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1633162 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1631912 | XXXXX | XXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1632891 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1631981 | XXXXX | XXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1632590 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632484 | XXXX | XXXX | XXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1633308 | XXXXX | XXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1633166 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1637147 | XXXXX | XXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1632780 | XXXX | XXXXX | XXXX B | C | C | C | C | C A | A | A | A | A | A |
| 1628418 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1631004 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1632832 | XXXX | XXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1630199 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1346304 | XXXXX | XXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.33

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.33**

![](evolve-logo.jpg)

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| |
|:---|
| **Exception Detail** |
| **Run Date - 07/21/2025 2:02:09 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1346304 | XXXX | XXXX | 6663828 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | FICO score is XXX. Requesting X) XXXXX use XXXX XXXXXXX XX XX comp factors are X)XXXX XXXX at XXX XXX and X) XXX within tolerance XX.XX/XX.XX%. From XXXX-- XXXXXX property type per guidelines on page XX; XXXXX XXXXX not permitted. Subject is a detached XXX with X bedrooms, X baths and X,XXX sq. ft. being used as an adult family home for XX business |  | XX years established credit history, XX current XXXX, and XXX is XX% XXX with XXX XXXX XXXX XXX is XX% |  |  |  | 02/18/2022 B | 2 | XXXXXX | WA | 3 | 3 C B | N/A | N/A C |  | Exempt | 1 |
| 1346304 | XXXX | XXXX | 6623913 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception XXXXX XXXX score is XXX. Requesting X) XXXX than X yrs at job X XXXX X at XXX XX mos. Comp factors are X) XXXX XXXX at XXX XXX and X) XXX within tolerance XX.XX/XX.XX%. |  |  | Reviewer 01/31/2022 07:27 PM; Justification: XX years established credit history, XX current XXXX, and XXX is XX% XXX with XXX XXXX loan XXX is XX%.<br>|  |  | 01/31/2022 B | 2 | XXXXXX | WA | 3 | 3 C B | N/A | N/A C |  | Exempt | 1 |
| 1346304 | XXXX | XXXX | 6631387 | 1006 | XXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | UW XXXX XXXXXX underwriting approval not in the file. | Docs in file are acceptable. |  |  | 02/18/2022 |  | A | 1 | XXXXXX | WA | 3 | 3 C B | N/A | N/A C |  | Exempt | 1 |
| 1367561 | XXXXX | XXXXX | 6734141 | 378 | XXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXX guidelines, page XX, XXXX XXXX XXXXXXX on XXXX XXXXXX, XX maximum of financed properties for investment property XXXX loans. XXXXXXX, each property held personally or in closely held legal entities must be XXXXXX on the XXX XXXX of the XXXX, XXXX complete the following fields on the XXXX XXX XXXX XXXXXXX, XXXXXX, XXXX, XXXXX XXXX, XXXX amount(s) and XXXX list any XXX mortgage balances in the XXXX XXXXXXX section. XXXXXXX complete XXXX XXX. XXXXX XXXX XXX in file does not reflect both properties in XXXXXXX, XXXXX. | Documentation has been provided. |  | Reviewer 04/19/2022 05:53 AM; Document provided does not clear deficiencies<br>| 04/27/2022 |  | A | 1 | XXXXXX | FL | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1367561 | XXXXX | XXXXX | 6734148 | 380 | XXXXXX | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | XXX guidelines, page XX, XXXXXX XXXXX XXXXXX XXXXXX, XXXXXXX XXXX XXXXX XXXXXX of (a) executed current XXXXX XXXXX or appraiser's opinion of market rent. XX the home does not have a current lease, an appraiser's XXXXXXX of XXXXXX XXXX (XXXX) can be utilized if A letter of explanation is provided, and the explanation is corroborated, as to why the property was not in service as a rental in the past year, or not currently subject to a lease & XXXX is currently advertised for rent. XX lease agreement received and per XXXX/XXX reflects no current monthly rental $. XXXXXXX required loe and current rental advertisement. | Documentation has been provided. |  |  | 04/27/2022 |  | A | 1 | XXXXXX | FL | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1367561 | XXXXX | XXXXX | 6734157 | 340 | XXXXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXX guidelines, page X, XXXX XXXX XXXXX XXXX XXXX, XXXX coverage must include, at a minimum XXXX XXXX (or equivalent to cover X months market rent). XXX XXXX/XXX reflects market rent of $X,XXX. ($X,XXX x X = $XX,XXX). XXX insurance policy reflects market rent of $XX,XXX. | Received |  |  | 04/19/2022 |  | A | 1 | XXXXXX | FL | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1367561 | XXXXX | XXXXX | 6734227 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX guidelines, page XX, XXXXXX XX (or incomplete) XXXXXXX XXXXXXX in last XX months, XX the borrower indicates that they are living rent-free the following will be required A signed letter from the owner/primary resident of the home must be provided verifying that the borrower is living rent-free, XXX letter needs to indicate the relationship between the borrower and owner/primary resident and the reason why the borrower is living rent-free at the home, XXXXX whose XXXX statements show large regular monthly expenditures that do not match monthly payments on the credit report will be asked to provide images of checks to verify that the expenditures are not undisclosed housing-related payments, XXXXX XXX will be limited to XX% or the program maximum, whichever is lower and the minimum XXXX will be XXX. XXXXX with no primary housing payment history are not eligible for XXXX XX XXXXX terms. XXXX family member rent free letter and account detail from XXXX's checking account reflecting XXXXX XXXX XXXXX payments as noted in letter. XXXXXX also notes that XXXX is asked not to pay fees when he is in XXXXX. XXXXXXX property was a delay finance, therefore not payment history. XXX X additional properties he owns are in XXXXX and are XXXX & XXXXX. XXXXX, the XXXX has no housing and/or primary housing history in the last XX months making not eligible. |  | Use of XXX payments and history allowable for evidence of housing history. XXXX XXXXXXX: XXXX of XXX with a program minimum of XXX; XXXX of XX.XXXX% with a program max of XX%; XXX months reserves with a program minimum of X. | Reviewer 04/22/2022 11:53 AM; LTV and XXXX guidelines were met; however, XXXXX with no primary housing payment history are not eligible for XXXX was not met.<br>|  |  | 04/28/2022 B | 2 | XXXXXX | FL | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1628418 | XXXXXX | XXXXXX | 7120253 | 7 | XXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Initial application is missing reflecting an initial application date for testing purposes, please provide for review. | Information provided |  |  | 12/10/2024 |  | A | 1 | XXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1628418 | XXXXXX | XXXXXX | 7120255 | 861 | XXXXXX | Credit | Note |  | Note - Other: |  | Section XX of the note does XXXX reflect any verbiage for a prepayment addendum to note. | Information provided |  | Client 12/02/2024 09:00 AM; The XXXX addendum supersedes the language on the XXXXX in XXXX XXXX XXXX note was generated using XXXXXX provided plan code. <br>Reviewer 12/02/2024 10:18 AM; <br>Reviewer 12/02/2024 01:59 PM; Hello <br> XXXX the note nor the rider reflects that the addendum supersedes the note. XXXXX need a corrected note with the verbiage in section XX or a corrected XXXX addendum with the verbiage specifying the addendum supersedes section XXXXX<br>XXXXXXX <br>| 12/09/2024 |  | A | 1 | XXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1628418 | XXXXXX | XXXXXX | 7120256 | 824 | XXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Title reflects name of the borrower but has no mention of XXXX in which the loan closes. | Information provided |  |  | 12/02/2024 |  | A | 1 | XXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1628418 | XXXXXX | XXXXXX | 7120316 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. |  |  | 12/06/2024 |  | A | 1 | XXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1628418 | XXXXXX | XXXXXX | 7120350 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final XXX dated XXXXXXX and updated appraisal was missing from the loan file. XXXX credit review is on hold until the documentation is received. | TPS Image Processing |  |  | 11/26/2024 |  | A | 1 | XXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1628418 | XXXXXX | XXXXXX | 7121090 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX to approve usage of appraisal for purchase and refinance. | Per XXXXXX XX - XXXXX will approve using XXXXX appraisal (delayed financing) |  | Client 12/09/2024 03:38 PM; Hi, XXXXXX to be provided and cleared by XXXX<br>Reviewer 12/10/2024 09:38 AM; <br>Client 12/19/2024 02:53 PM; Hello XXXX XXXXXX XX - we will approve using XXXXX appraisal (delayed financing)<br>Reviewer 12/19/2024 02:59 PM; Condition has been reviewed. XXXXX<br>| 12/19/2024 |  | A | 1 | XXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1628418 | XXXXXX | XXXXXX | 7123777 | 862 | XXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Need corrected XXXX with signature line reading XXXXX XXX XXXXX a XXXX XXXX XXXXXX XXXX by it's sole member XXX XXXXX XXXXXXX XXXXX XXXX a XXXX XXXXXX XXXX XXXX XXXXX del XXXXXX authorized member | Information provided |  | Reviewer 01/16/2025 10:49 AM; Received corrected XXXXXX XX XXXX to re-record is still needed<br>| 01/23/2025 |  | A | 1 | XXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1628418 | XXXXXX | XXXXXX | 7123778 | 861 | XXXXXX | Credit | Note |  | Note - Other: |  | Need corrected note with signature line reading XXXXX XXX XXXXX a XXXX XXXX XXXXXX XXXX by it's sole member XXX XXXXX XXXXXXX XXXXX XXXX a XXXX XXXXXX XXXX XXXX XXXXX del XXXXXX authorized member | Information provided |  |  | 01/16/2025 |  | A | 1 | XXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1629301 | XXXXX | XXXXX | 7121974 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification XXXX XXXXXX lives outside XXX missing from file. | Borrower/guarantor residence history provided. |  | Client 12/10/2024 08:39 AM; See borrower/guarantor residence history that was uploaded XXXXX XXXXXX XXXXXXX clear<br>Reviewer 12/10/2024 10:10 AM; <br>| 12/10/2024 |  | A | 1 | XXXXXX | SC | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1629301 | XXXXX | XXXXX | 7121977 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification XXXX XXXXXX XXXXXX lives outside XXX missing from file. | Borrower/guarantor residence history provided. |  | Client 12/10/2024 08:39 AM; See borrower/guarantor residence history that was uploaded XXXXX XXXXXX XXXXXXX clear.<br>Reviewer 12/10/2024 10:10 AM; <br>| 12/10/2024 |  | A | 1 | XXXXXX | SC | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1629301 | XXXXX | XXXXX | 7121981 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX XXXXXX - XXXXXXX requirements not met. XXXXXXX require one of the following XXX XXXXXXX XXXX XXXXXX XXXXXXX XXXX XXXXX credit letter from an internationally known financial institution or a XXXX statement documenting a foreign financial banking relationship for the past XXX days may be utilized. | For the XXXXXX |  | Client 12/10/2024 08:41 AM; For the XXXXXX <br>Reviewer 12/10/2024 10:10 AM; <br>| 12/10/2024 |  | A | 1 | XXXXXX | SC | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1629301 | XXXXX | XXXXX | 7121982 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX XXXXXX XXXXXX - XXXXXXX requirements not met. XXXXXXX require one of the following XXX XXXXXXX XXXX XXXXXX XXXXXXX XXXX XXXXX credit letter from an internationally known financial institution or a XXXX statement documenting a foreign financial banking relationship for the past XXX days may be utilized. | For the XXXXXX |  | Client 12/10/2024 08:43 AM; For the XXXXXX <br>Reviewer 12/10/2024 10:10 AM; <br>| 12/10/2024 |  | A | 1 | XXXXXX | SC | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1629301 | XXXXX | XXXXX | 7124527 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal expired. XXXXXX is good for XXXX days. XXXXXX date XXXXXXX closed date XXXXXXX = XXXX days | received updated current appraisal |  |  | 01/21/2025 |  | A | 1 | XXXXXX | SC | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1629301 | XXXXX | XXXXX | 7124470 | 219 | XXXXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final XXXXXX settlement statement for review. | Information provided |  |  | 01/22/2025 |  | A | 1 | XXXXXX | SC | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1629301 | XXXXX | XXXXX | 7127947 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide XXXXX with a score of XXXXX or lower or a second valuation. | Acceptable XXXX provided. |  |  | 01/22/2025 |  | A | 1 | XXXXXX | SC | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1629860 | XXXXX | XXXXX | 7123006 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | no XXX score performed, satisfactory second evaluation required | received XXX |  |  | 12/19/2024 |  | A | 1 | XXXXXX | ID | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1630012 | XXXXX | XXXXX | 7124468 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | mtg delinquencies XXXXX in past XXX months |  | Exception granted: XXXX XXXXX high portfolio with over XXXX equity, XXXXX XXXXX XXX |  |  |  | 01/02/2025 B | 2 | XXXXXX | NJ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1630054 | XXXXXX | XXXXXX | 7124149 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | New construction XXXX of XXXXXX required | Received XXX |  |  | 01/03/2025 |  | A | 1 | XXXXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1630054 | XXXXXX | XXXXXX | 7124150 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence of XXXX XXXXXX primary address | The XXXXX reflects the borrower''''s primary residence is in XXXX |  | Reviewer 01/07/2025 09:38 AM; Section XXXXXX XXXXX XXXX guide states the XXXX XXXXX XXXX is for XXXX XXXXXX who live outside the XXXXX XXXXXX not locate documentation for borrower''''s primary residence outside the XX<br>Reviewer 01/09/2025 02:16 PM; Satisfactory evidence of primary residency outside of XXXX for XXX borrowers<br>| 01/21/2025 |  | A | 1 | XXXXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1630054 | XXXXXX | XXXXXX | 7124153 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Satisfactory evidence of XXX day seasoning for wired funds totally XXXXXX translated that was deposited into XXXXXX xXXXX from XXXXXXX |  | Seasoning of assets is approved based on the following XXXXX XXXXX XXXXXX are already in a XXX account and XXXX is below XXXXXX | Reviewer 01/07/2025 10:07 AM; The XXXX XXXXX statement XXXXXXX dated XXXX reflects several deposits from XX different sources totalling XXXX XXXX documentation of the source of each of these deposits. XXX appears these deposits are gifts and were used for the closing transaction of subject property<br>Reviewer 01/09/2025 02:18 PM; Seasoning of funds for XXX days prior to wire transfers required<br>Client 01/20/2025 11:41 PM; From: XXXXXX XXXXX &XXX;<br> XXXXXX XXXX XXXX XXXX XXXXX XXXXX XXXX<br> XXXX XXXXX XXXXXX XXXXXXXXXXXX<br> XXXX XXXXX XXXX XXXXXXXXXXXXXX<br> XXXXX XXXX XXXXXXX XXX XXXX XXXXXXXXXX XXXXXX XXXXXX<br>XXXXXX of assets for XXXXX loan application is approved based on two mitigating factors: <br> - Funds are already in a XXXXXXX account <br> - LTV is below XXXXX<br>XXXXXX <br>Reviewer 01/21/2025 06:50 AM; Condition has been reviewed. XXX<br>|  |  | 01/21/2025 B | 2 | XXXXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1630199 | XXXXXX | XXXXXX | 7124108 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The XXXXXX XXXX XXXXXX report, XXX XXXXX history on two liens noted on application, XXXXXXX XXXX XXXXX of XXXXX loss insurance, XXXXX approval, XXXXX XXXXX from XXXXX and XXXXX leases for subject property are missing from the loan file. XXXX credit review is on hold until documents received. | Documents provided |  |  | 01/02/2025 |  | A | 1 | XXXXXX | IL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1630199 | XXXXXX | XXXXXX | 7124044 | 7 | XXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | File is missing the initial application, need initial application date for review. | Information provided |  | Reviewer 01/03/2025 11:04 AM; No documentation provided<br>Reviewer 01/03/2025 11:04 AM; No documentation provided<br>| 01/08/2025 |  | A | 1 | XXXXXX | IL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1630199 | XXXXXX | XXXXXX | 7124045 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 01/03/2025 |  | A | 1 | XXXXXX | IL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1630199 | XXXXXX | XXXXXX | 7124046 | 824 | XXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | File is missing the XXXXXXX | Information provided |  |  | 01/03/2025 |  | A | 1 | XXXXXX | IL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1630199 | XXXXXX | XXXXXX | 7124047 | 200 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | File is missing the XXXXXX XXXXXXX XXXX | Information provided |  |  | 01/03/2025 |  | A | 1 | XXXXXX | IL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1630199 | XXXXXX | XXXXXX | 7124575 | 261 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Misrepresentation |  | Residential XXXXXX XXXXXXX XXXXXX XXXXX provided with XXXXX review, requesting appraiser to complete report with corrections required in addendum to support value provided | XXX will accept desk review to meet collateral deficiency |  | Client 01/07/2025 03:56 PM; Is this required considering the appraisers value and reviewers value were the same?<br>Reviewer 01/08/2025 09:19 AM; <br>Reviewer 01/08/2025 09:19 AM; Provide updated appraisal with time adjustments for comps XX and XX and adding an additional comp with positive net adjustments per the appraisal review completed. <br>Reviewer 01/08/2025 09:19 AM; Provide updated appraisal with time adjustments for comps XX and XX and adding an additional comp with positive net adjustments per the appraisal review completed. <br>Client 01/08/2025 10:18 AM; This is commented on by the appraiser in the reconciliation addendum. XXXXX XXXXX <br>Reviewer 01/09/2025 10:12 AM; sent to XXXXX for review on next steps. XXXXXXX will be updated once received<br>Reviewer 01/14/2025 12:46 PM; Received revised appraisal with additional comments by the appraiser. XXXXXXX to XXXXX for review.<br>Reviewer 01/14/2025 12:53 PM; Please provide additional comp outside of subject project with positive adjustments to support value of XXXXX<br>| 02/06/2025 |  | A | 1 | XXXXXX | IL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1630199 | XXXXXX | XXXXXX | 7124576 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final closing disclosure required- additional deficiencies may apply | received final XX |  | Client 01/07/2025 03:57 PM; Business purpose loans do not operate on XXXX XXXXXX XXX this required?<br>Reviewer 01/08/2025 09:06 AM; final XXX or settlement statement required. <br>| 01/08/2025 |  | A | 1 | XXXXXX | IL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1630329 | XXXXXX | XXXXXX | 7124313 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing completed |  |  | 01/15/2025 |  | A | 1 | XXXXXX | GA | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1630329 | XXXXXX | XXXXXX | 7124314 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Tolerance exceeded by XXXX due to the addition of the credit report with no valid XXXXX please provide proof of refund, XXXX and XXXXX reflecting the cure within XXX days of consummation XXXXXX | Documents provided |  |  |  | 01/15/2025 | B | 2 | XXXXXX | GA | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1630329 | XXXXXX | XXXXXX | 7124420 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Extended XXXXXX XXXXXX noted on credit report, satisfactory evidence clearing alert to be provided. | received XXX |  |  | 01/06/2025 |  | A | 1 | XXXXXX | GA | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1630329 | XXXXXX | XXXXXX | 7124425 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | LTV of XXXX does not meet max XXXX of XXXX for X |  | Exception granted: XXXXX employment stable income, XXXX XXXXX XXXXXX own fund reserves not including cash out |  |  |  | 01/02/2025 B | 2 | XXXXXX | GA | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1630336 | XXXXXX | XXXXXX | 7124583 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXX XXXXXXX of XXXXXX for review. | Provided |  |  | 01/09/2025 |  | A | 1 | XXXXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1630336 | XXXXXX | XXXXXX | 7124639 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Closed in XXXXX XXXXX XXXXXX XXXX XXXX a state of XXXXX XXXXXX – XXXXX XXXX in the state of XXX required, with XXXXX evidence of XXXXX of XXXXXXX XXXX XXXX XXXXXXX confirming borrower is XXXXX owner, and signed XXXXXX XXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements | New XXXXXXX XXXX of XXXXX provided. |  | Reviewer 01/08/2025 09:11 PM; Received XXXXX of XXXXXX XXXXXX XXXXXXX XXXX with borrower as sole member, and evidence XXXX is in good standing. XXXX not receive evidence XXXX is operating in the state of XX<br>Client 01/13/2025 11:24 AM; This company is only operating in XXXXXXX XXXXXXX advise.<br>Reviewer 01/14/2025 01:06 PM; <br>| 01/27/2025 |  | A | 1 | XXXXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1630336 | XXXXXX | XXXXXX | 7124641 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory lease for subject evidencing at least XXXXXXX rental income monthly being used in XXXXX calculation | received lease for XXXX and makes XXXXX XXXXXXX instead of XXXXXX |  |  | 01/08/2025 |  | A | 1 | XXXXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1630499 | XXXXX | XXXXXXX | 7124341 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CU score exceeds XXXXXX satisfactory second evaluation required | Acceptable XXXX provided. |  |  | 01/03/2025 |  | A | 1 | XXXXXX | GA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1630499 | XXXXX | XXXXXXX | 7124343 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Satisfactory evidence of XXXXX ownership of XXX XXXXX from third party. XXXXXX provided were borrower generated- not sufficient for evidence of XXXXX ownership) | K-X''''s from XXXXX and XXXXX are in the file and are sufficient. XXXXXX is no evidence of any other owner of the business. |  | Client 01/03/2025 11:43 AM; K-X''s from XXXXX and XXXXX are in the file and were sufficient for XXXX XXXXXX is no evidence of any other owner of the business.<br>Reviewer 01/03/2025 12:57 PM; <br>| 01/03/2025 |  | A | 1 | XXXXXX | GA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1630499 | XXXXX | XXXXXXX | 7124344 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Satisfactory XXXX statement worksheet from XXXX at XXXXX ownership and XXXX XXX supporting income used in repayment XXXXXXX (expires XXXXXX | Income work sheet and additional XXXX statement provided. |  |  | 01/03/2025 |  | A | 1 | XXXXXX | GA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1630499 | XXXXX | XXXXXXX | 7125208 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 01/23/2025 |  | A | 1 | XXXXXX | GA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1630499 | XXXXX | XXXXXXX | 7125209 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for the increase in the XXXX XXXX fee in XXXX XX of the XXXXX XXX without a valid explanation. XXXXXX amount is XXXXXXX XXXXX a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation. | Information provided |  | Reviewer 01/17/2025 02:05 PM; Received proof of refund and XXXX to borrower, however, the XXXX XXXX fee cannot be moved to the XXXXXXX paid column. XXX must be reflected as a XXXXX in section XXXX XXXXXXX provide a XXXX XXXXX with corrections<br>| 01/23/2025 |  | A | 1 | XXXXXX | GA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1630499 | XXXXX | XXXXXXX | 7125229 | 72 | XXXXXX | Compliance | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 01/15/2025 |  | A | 1 | XXXXXX | GA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1630648 | XXXXXX | XXXXXX | 7125190 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan closed in XXXXX XXXXXXX XXXXXX XXXX a state of XXXX XXXXXX XXXXX evidence of XXXXX of XXXXXXX XXXX XXXX XXXXXXX confirming borrower is XXXXX owner, and signed XXXXXX XXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements | IRS XXXXXXX borrower is XXXXX provided and XXXXXX of XXX XXXXX XXXXX cert provided |  |  | 01/13/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1630648 | XXXXXX | XXXXXX | 7125191 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Funds to close from XXXXX XXXX XXXXXX satisfactory evidence borrower is XXXXX owner of this XXXXX asset account | IRS XXXXXXX borrower is XXXXX provided and XXXX XXXXXX XXXXXX provided. |  |  | 01/13/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1630648 | XXXXXX | XXXXXX | 7125192 | 433 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Final XXX dated XXXXXX required XXXXX funds to close, while business account printout in XXXX XXXXXXX account evidenced XXXXXX sufficient assets to close in XXXX account to be evidenced. | received business account reflecting transfer of funds to XXX |  | Reviewer 01/16/2025 02:56 PM; XXX XXXXX confirmation provided; however, the XXXX account XXXXXXX was not disclosed on the XXXXX nor was there a XXXX statement in the file.<br>Client 01/17/2025 01:19 PM; The account ending XXXXX is the title company''s account number (listed in the wiring instructions from title). XXXX funds came from XXXXX XXXX XXXX which is the borrowers'' XXXXXXX account in the file. <br>Reviewer 01/17/2025 03:21 PM; <br>Reviewer 01/17/2025 03:21 PM; To support XXXX acct XXXXXXX being from title, XXXX updated printout showing withdrawal of XXXX from the borrower's business account. <br>Reviewer 01/17/2025 03:21 PM; To support XXXX acct XXXXXXX being from title, XXXX updated printout showing withdrawal of XXXX from the borrower's business account. <br>| 01/21/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1630648 | XXXXXX | XXXXXX | 7125193 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Seller concession of XXXXX exceeds XXX of XXXXX XXXXXX XXXXXXX | Excess contribution is subtracted from subject value for loan purpose only resulting value XXXXXX XXXX lock provided is at XXXXX |  | Client 01/13/2025 02:41 PM; Underwriter already took this into consideration with reduction in value to XXXXXX to account for credit in excess of XXX and with the reduction XXXX is at XXXXXX XXX it the lock that needs updating?<br>Reviewer 01/14/2025 01:07 PM; <br>Reviewer 01/22/2025 08:34 PM; Non-owner and XXXX home maximum contributions are limited to XXX regardless of the XXX<br>| 01/23/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1630648 | XXXXXX | XXXXXX | 7125194 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject new construction, final XXXX of XXXXXX is required | County XXXX provided. |  |  | 01/22/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1630648 | XXXXXX | XXXXXX | 7125123 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXX XXXXXXX of XXXX | Information provided |  |  | 01/14/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1630704 | XXXXX | XXXXXXX | 7124833 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX statement worksheet ending XXXXX expired XXX days XXXXXXX updated XXXX statement for XXXXXX and updated XXXX statement worksheet required. XXXXXX over XXXX without XXXX XXXXX | document provided |  |  | 01/22/2025 |  | A | 1 | XXXXXX | TN | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1630704 | XXXXX | XXXXXXX | 7124834 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DTI over XXXX due to expired XXXXXX XXXX statement- using XXX months from XXXXXXX over XXX month period | document provided |  |  | 01/22/2025 |  | A | 1 | XXXXXX | TN | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1630704 | XXXXX | XXXXXXX | 7124835 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence of XXXXX for borrower | Xactus report provided shows XXXX matches. |  |  | 01/23/2025 |  | A | 1 | XXXXXX | TN | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1630704 | XXXXX | XXXXXXX | 7127854 | 65 | XXXXXX | Compliance | Right to Cancel |  | Right to Cancel - is missing. |  | Please provide the right to cancel. | Information provided |  |  | 01/23/2025 |  | A | 1 | XXXXXX | TN | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1630708 | XXXXX | XXXXXX | 7128439 | 961 | XXXXXX | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  | Please provide the XXXXX XXXXX XXXXXX |  | Verified | Client 01/31/2025 10:06 AM; Hello - our compliance department has confirmed this loan is not listed on XXX fire report and does not require XXXX <br>Reviewer 01/31/2025 10:39 AM; <br>Reviewer 01/31/2025 11:16 AM; Hello <br> XXXXX has been cleared and will grade as a XXXXX<br>XXXXXX<br>|  |  | 01/31/2025 B | 2 | XXXXXX | CA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1630708 | XXXXX | XXXXXX | 7124840 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CU score missing, satisfactory second evaluation required | FNMA XXXXX XXX XXXXX score XXXXXX |  |  | 01/07/2025 |  | B | 2 | XXXXXX | CA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1630853 | XXXXX | XXXXXX | 7124901 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CDA missing from file. | Acceptable XXXX provided. |  | Client 01/08/2025 12:28 PM; XXXXX_XXX XXXXXXXXXX XXXXX XXXXX XXXX <br> XXXXX_XXX desk XXXXXXXXX XXXXX XXXXX XXXXXX - uploaded to file thank you for reviewing <br>Reviewer 01/08/2025 02:06 PM; <br>| 01/08/2025 |  | A | 1 | XXXXXX | MA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1630853 | XXXXX | XXXXXX | 7124904 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Updated lock reflecting subject is non warrantable or provide a warrantable condo certification. XXXX has hotel amenities, XXXX commercial use, in litigation and amenities do not complete per XXXX cert. | Revised XXXXX XXXXX provided. |  |  | 01/09/2025 |  | A | 1 | XXXXXX | MA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1630853 | XXXXX | XXXXXX | 7124906 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Updated loan approval/clarification required to verify if loan is closing in an XXXX or as individual. XXXXXX is in individuals name, title is in XXXXX XXXX condition reflects loan is closing in XXXXX XXXX from attorney''''s office states the loan will close in individuals'''' name. XXXXX must be consistant. | LDL reflects borrower as an XXX |  |  | 01/08/2025 |  | A | 1 | XXXXXX | MA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1630853 | XXXXX | XXXXXX | 7124908 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Verification XXXXXXX funds to close must be on deposit with the XXXXX company at least XX business days prior to close. XXXXXX trail must be complete. | XXXk is being held by escrow since XXXXXX XXXX and XXXX XXXX of XXX statements in file along with transaction history in the name of the XXXX - that''''s more than XXX days seasoning |  | Client 01/08/2025 12:37 PM; XXXk is being held by escrow since XXXXXX XXXX and XXXX XXXX of XXX statements in file along with transaction history in the the name of the llc - thats more than XXX days seasoning. XXXXX have XXXXXXX XXXX statements that shows funds were held prior to transfer to XXXXX of XXX for over XXX days. XXXX XXXX is a XXX entity doing business in the XXX and use of a XXX XXXXX is allowed. XXXXX transferred funds to the us XXXX XXXXX of XXXXX and all support<br>Reviewer 01/08/2025 02:20 PM; <br>| 01/08/2025 |  | A | 1 | XXXXXX | MA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1630853 | XXXXX | XXXXXX | 7127881 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | HOI must be in the name of XXXXXX XXXX XXXX in file is in an XXXX name. | The individual on XXXX is the XXXXX owner of the XXXX and is the personal guarantor. |  | Client 01/22/2025 12:40 PM; Hello, <br> the individual on XXXX is the XXXXX owner of the XXXX and is the personal guarantor. XXXX we keep the insurance under the individual's name? <br>Reviewer 01/22/2025 02:27 PM; Condition has been reviewed. XXX<br>| 01/22/2025 |  | A | 1 | XXXXXX | MA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1630853 | XXXXX | XXXXXX | 7127883 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | EIN for XXXX missing from file. | IRS XXXX XXXXXXX provided. |  |  | 01/22/2025 |  | A | 1 | XXXXXX | MA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1630913 | XXXXX | XXXXX | 7125124 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Lease XXXXXX missing from file. XXXX sales contract reflects XXXXXXX will rent back unit XXXX XXXXXX agreement reflecting terms of lease missing from file. XXXXX may affect XXXXX calculation. | received revised XXXXX confirmation from XXXX |  | Reviewer 01/21/2025 04:31 PM; The document received reflects the seller will lease for XXXXXX per month for XX year. XXXXXX rents = XXXX and XXXXX = XXXXXX XXXX revised lock and updated approval with XXXXX XXXX and not XXXXXX<br>Reviewer 02/01/2025 05:37 PM; LOE received states there is a revised lock with XXXXX of XXXXXX XXXX documents received did not include the revised lock and exception for lower XXXXX .<br>| 02/03/2025 |  | A | 1 | XXXXXX | NY | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1630913 | XXXXX | XXXXX | 7125131 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Based on appraiser comments, the property line for the subject property and the adjacent home runs down the middle of the driveway. XXXX driveway is shared, and maintenance is shared. XXXXXX does not address the shared driveway or maintenance agreement or property line issue. | Received title documents for shared driveway |  | Reviewer 01/21/2025 04:33 PM; Provide revised title commitment to address the shared driveway and/or maintenance agreement for the property line.<br>| 02/01/2025 |  | A | 1 | XXXXXX | NY | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1630916 | XXXXX | XXXXXXX | 7125065 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | UVAK XXXX XXX is also owned by XXXX XXXXX XXXXX exception needed for ownership not owned by individual | XXX''''s legal team has reviewed and approved all entity documents and provided an approved signature block. XXXXXXX approval is in the file. |  | Client 01/09/2025 01:22 PM; Please see entity approval review document uploaded on XXXXXXX XXXX legal team has reviewed and approved all entity documents and provided an approved signature block. <br>Reviewer 01/09/2025 01:46 PM; <br>| 01/09/2025 |  | A | 1 | XXXXXX | OH | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1630916 | XXXXX | XXXXXXX | 7125067 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | no second evaluation located- satisfactory second evaluation is required | Acceptable XXXX provided. |  |  | 01/14/2025 |  | A | 1 | XXXXXX | OH | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1630916 | XXXXX | XXXXXXX | 7125068 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory fraud report for both borrowers, (only fraud on partnership found) | Fraud XXXXXXX provided |  |  | 01/14/2025 |  | A | 1 | XXXXXX | OH | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1631004 | XXXXXXX | XXXXXXX | 7125247 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum XXXXX XXXX for XXXX XXXXXX XXXX XXXXX XXXXX |  | Compensating factors: XXXXXXX credit with no history of unwillingness to repay debt, XXXXX XXXXXXX XXXX owned free and clear. |  |  |  | 01/10/2025 B | 2 | XXXXXX | AL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631004 | XXXXXXX | XXXXXXX | 7125252 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower is an XXXXX XXXXXXX XXXXX not locked as XXXXXXX | Lock XXXX provided. |  | Client 01/13/2025 01:56 PM; uploaded<br>Reviewer 01/13/2025 03:27 PM; Lock provided does not show the borrower as an XXXXXX<br>Reviewer 01/14/2025 11:44 AM; Condition has been reviewed. XXXXX<br>| 01/14/2025 |  | A | 1 | XXXXXX | AL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631004 | XXXXXXX | XXXXXXX | 7125256 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification XXXX residence free and clear missing from file. | Prperty XXXX XXXXXXX provided. |  | Client 01/13/2025 02:15 PM; Property profile showing no liens on the property uploaded<br>Reviewer 01/13/2025 03:25 PM; Borrowers XXXX located at XXXXX XXXXXX XXXXX XXXX XXXXXX XXXXXX report provided. is for the subject. <br>Client 01/14/2025 11:20 AM; <br>Reviewer 01/14/2025 11:43 AM; <br>Reviewer 01/14/2025 11:51 AM; Condition has been reviewed. XXX<br>Reviewer 01/14/2025 12:05 PM; <br>| 01/14/2025 |  | A | 1 | XXXXXX | AL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631004 | XXXXXXX | XXXXXXX | 7125258 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX exception approval required. XXXXXX approval reflects XX months reserve, XXXXX verified reserves XXXXXX and exception approval reflects XXXXX XXXXXXX XXXXX is XXXXXXX | Reserves are not a requirement of XXXXXX and meets XXXXXX at XXXXXX to XX ratio |  | Client 01/13/2025 02:15 PM; see attached XXXX statement<br>Reviewer 01/14/2025 11:44 AM; Condition has been reviewed. XXXXX<br>| 01/13/2025 |  | A | 1 | XXXXXX | AL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631013 | XXXXXX | XXXXXX | 7125309 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan closed as XXX XXXXXXX XXXX a state of __??___LLC. XXXXX evidence of XXXXX of XXXXXXX XXXX XXXX XXXXXXX confirming borrower is XXXXX owner, and signed XXXXXX XXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements. | Received all documents/ borrowers are XXXXXXX owners each |  |  | 01/14/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631013 | XXXXXX | XXXXXX | 7125310 | 319 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | Seller concession of XXXXX exceeds XXX of XXXXXX XXXXXX XXXXXXX | Received lock confirmation with XXXX XXXXXX |  | Reviewer 01/14/2025 08:15 PM; Under additional review<br>Reviewer 01/15/2025 01:09 PM; Provide the updated lock confirmation reflecting the new XXXX per XXXX provided<br>| 01/24/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631013 | XXXXXX | XXXXXX | 7125311 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXX confirmation |  |  | 01/14/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631013 | XXXXXX | XXXXXX | 7125312 | 433 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Verified funds XXXXX short funds needed to close XXXXXX verified funds in XXXX account XX days before closing | received XXX XXXX statement = XXXXX |  |  | 01/14/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631013 | XXXXXX | XXXXXX | 7125227 | 7 | XXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Initial application must be signed by borrower and XXXX | Information provided |  |  | 01/14/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631013 | XXXXXX | XXXXXX | 7125228 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Lock provided |  |  | 01/14/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631013 | XXXXXX | XXXXXX | 7125385 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Insurance must be in the name of XXXXXX XXXX in file reflects individual names. | Revised XXXX provided. |  | Reviewer 01/14/2025 08:16 PM; Documents received did not include XXXX revision<br>| 01/16/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631089 | XXXXX | XXXXX | 7126611 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Closed in XXXXX XXXX XXXXXX XXXX a state of XXXXX XXXXXX XXXXX evidence of XXXXX of XXXXXXX XXXX XXXX XXXXXXX confirming borrower is XXXXX owner, or each member of XXXX or more will be required to be added as borrower, satisfactory signed XXXXXX XXXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements- XXXXXX and XXXXXX agreement are not in borrowers name- all ownership with XXXX or more is required to be a borrower.) | Operating agreement identifies the XXXX as a XXXXX XXXXXXX XXXX and XXXXXX XXXX XXXXX as that XXXX XXXX name on the XXXX assignment letter does not establish any ownership. XXXX operating agreement is the governing document and establishes XXXX XXXXX as sole owner, sufficient for XXXXX XXXXX |  | Reviewer 01/21/2025 03:22 PM; The XXXX is not in borrower''''s name as the sole member. XXXXX signed the note as the sole member. XXXX not receive evidence XXXX is in good standing. XXXX not receive third party documentation to verify all members of the XXXX and ownership percentage.<br>Client 01/30/2025 06:41 PM; Operating agreement identifies the XXXX as a XXXXX XXXXXXX XXXX and XXXXXX XXXX XXXXX as that XXXX the name on the XXXX assignment letter does not establish any ownership. XXXX person can request an XXXXX such as their attorney, XXXX or a third party service that sets up XXXXXXX for a fee. XXXX operating agreement is the governing document and establishes XXXX XXXXX as sole owner, sufficient for XXXXX XXXXX<br>Reviewer 01/31/2025 04:45 AM; <br>| 01/31/2025 |  | A | 1 | XXXXXX | PA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631094 | XXXXX | XXXXXXX | 7125627 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | no XXX score located, satisfactory second evaluation required | Acceptable XXXX provided. |  |  | 01/13/2025 |  | A | 1 | XXXXXX | CO | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1631094 | XXXXX | XXXXXXX | 7125633 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DTI over XXXX due to auditor income lower by removing transfers, overdraft protection and purchase refunds from XXXXX personal XXXX statements with income XXXX | Uploaded income sheet though XXXX reflecting monthly income of XXXXXXX resulting in a XXXX of XXXXX XXXXXXX review underwriter data XXXXXX uploaded showing XXXX of XXXXXX |  | Client 01/15/2025 12:01 PM; Please review uploaded income sheet though XXXX reflecting monthly income of XXXXXXX resulting in a dti of XXXXX XXXXXXX review underwriter data XXXXXX uploaded showing dti of XXXXXXX thank you for reviewing <br>Reviewer 01/15/2025 12:27 PM; <br>| 01/15/2025 |  | A | 1 | XXXXXX | CO | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1631094 | XXXXX | XXXXXXX | 7125634 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Satisfactory evidence XXX borrower is XXXXX owner of XXXX XXXXX XXX | Articles of organization and XXXX docs uploaded showing the XXXX is only XX member and therefore owns XXXXX of XXXX XXXXX XXX |  | Client 01/15/2025 11:59 AM; Please review articles of organization and llc docs uploaded showing the llc is only XX member and therefore owns XXXXX of XXXX XXXXX llc. thank you for reviewing <br>Reviewer 01/15/2025 12:26 PM; <br>| 01/15/2025 |  | A | 1 | XXXXXX | CO | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1631094 | XXXXX | XXXXXXX | 7128788 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/07/2025 |  | A | 1 | XXXXXX | CO | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1631094 | XXXXX | XXXXXXX | 7128789 | 901 | XXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Provide XXXXXX dated within XX days of rate lock date of XXXXX XXXXXX is also XXXX in file dated XXXX | Information provided |  |  | 02/07/2025 |  | A | 1 | XXXXXX | CO | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1631100 | XXXXX | XXXXXX | 7125637 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | no XXX score located, satisfactory second evaluation required | Acceptable XXXX provided. |  |  | 01/13/2025 |  | A | 1 | XXXXXX | CT | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1631100 | XXXXX | XXXXXX | 7125641 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Closed in XXXXX XXXX XXXXXX XXXXX XXXXXX XXXX a state of XXXX XXXXXX XXXX satisfactory evidence of XXXXX of XXXXXXX XXXX XXXX XXXXX XXXXX XXXX is in good standing at time of closing. - XXXXXX to meet XXXXX XXXX requirements (operating agreement provided evidenced XXXX ownership with XXXXXX XXXXXX and XXX ownership with XXXXXX XXXXX XXXXX | Loan is not closing in an XXXX - amendment in file stating loan is closing in XXXXXX name not XXXXX |  | Client 01/14/2025 01:26 PM; loan is not closing in an llc - amendment in file stating loan is closing in XXX name not llc - thank you for reviewing <br>Reviewer 01/14/2025 03:54 PM; <br>| 01/14/2025 |  | A | 1 | XXXXXX | CT | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1631394 | XXXXX | XXXXX | 7128333 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | UW XXXXXXX XXX - XXXXXXX XXXXXX XXXXX XXXX XXXXX XXXXXX do not have primary address in XXXXXX XXXXX XXXX and supporting documentation regarding address on drivers license and XXXXX XXXXX XXXXX of XXXX XXXXXX XXXXX XXXXX XXXXXXX XXXX and on XXXXX of XXXX XXXX statement of XXXXXX XXXX XXXXXXX XXXXXX XXXXXX XX | LOE and XXXX statements acceptable for finding per XXXX |  | Reviewer 01/28/2025 03:59 PM; received XXXXXX XXXX supporting documentation such as XXXX from friends and utilities in their names.<br>| 01/28/2025 |  | A | 1 | XXXXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1631394 | XXXXX | XXXXX | 7127720 | 328 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Satisfactory XXXX mortgage history from XXXXX XXXXX for subject lien | received XXX |  | Reviewer 01/28/2025 05:36 PM; Did not receive payment history from XXXXX XXXXX for subject property being refinanced. XXXXX was purchased XXXXXXX with deed of trust of XXXXXXX<br>| 02/04/2025 |  | A | 1 | XXXXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1631394 | XXXXX | XXXXX | 7127721 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XX day seasoning required for funds to close from XXXXX XXXXX XXXX | received XXX day seasoning for XXXXX XXXXX XXXXX account |  |  | 01/28/2025 |  | A | 1 | XXXXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1631394 | XXXXX | XXXXX | 7127722 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Final XXX to show two deposits from borrower to title of XXXXX on XXXX | CD received reflects deposits made |  |  | 01/22/2025 |  | A | 1 | XXXXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1631635 | XXXXXX | XXXXXX | 7127865 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Foreign XXXXXX may not reside in the XXXXXX XXXX on XXXXX XXXXX statements evidenced a XXXX XXXXXX XXXX final XXXXX with XXXX address, and update loan as XXXXX XXXXX vs XXXX XXXXXXX | Received XXXX for XXX address |  |  | 01/31/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631635 | XXXXXX | XXXXXX | 7127866 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Supply XXXXX number(s) for both borrowers. XXXXXXX XXXXX for XXX XXXXXXX XXXXX however, also need XXXXX for both borrowers residing in XXXXX | IRS XXXXX XXXXXXX provided |  |  | 01/27/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631635 | XXXXXX | XXXXXX | 7127867 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory XXXXXXX report for both borrowers using XXXXX XXXXX XXXX | LOE provided using cousin''''s address, and funds were provided from foreign national account |  |  | 01/31/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631635 | XXXXXX | XXXXXX | 7127869 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Both XXXXX XXXXXX renting in XXXX as primary, and purchasing investments as a XXXXX time homebuyer will need prior XXXXX XXXXX approval. | LOE provided using cousin''''s address, and funds were provided from foreign national account |  |  | 01/31/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631635 | XXXXXX | XXXXXX | 7127870 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Seller concession exceeds max XXXXX XXX XXXXXX less concession XXXXXXX XXXXXX / loan amount XXXXXX = XXXX XXXX exceeding XXXXXX XXXX on lock. | Purchase XXXXX XXXXXX x XXXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXXXX XXXXXXXXXXX XXXXX amount XXXXXX = XXXX XXXXXX XXXX allowed XXXXXX |  |  | 01/27/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631635 | XXXXXX | XXXXXX | 7127983 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan XXXXX missing | Loan approval provided. |  |  | 01/27/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631635 | XXXXXX | XXXXXX | 7127984 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Insurance must be in the name of XXXXXX XXXXXX in individual''''s name. | LLC XXXX provided. |  |  | 01/27/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631818 | XXXXXX | XXXXXX | 7128057 | 433 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Three transfers from borrowers XXXX account to title of XXXXXX XXXXX | Additional funds statement of XXXX provided. |  |  | 01/29/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631818 | XXXXXX | XXXXXX | 7128059 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX transaction histories for three accounts at XXXX is missing account owners names and account numbers, and XXXX XXXX are not translated to XXXXXXX | BHD statement provided contains borrower''''s name |  |  | 01/29/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631818 | XXXXXX | XXXXXX | 7128060 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Translation document provided noted XXXXX of XXXX to XXX XXXXXX XXXX the asset statement used for this translation. (missing stmt) | Popular statement provided. |  |  | 01/29/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631818 | XXXXXX | XXXXXX | 7128061 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR of XXXXX does not meet XXXX XXXXX XXXXX required XXXXX calculation |  | The file contained an XXXXXX XXXXX and an email from XXXXX stating the XXXXXX is approved as presented. |  |  |  | 01/29/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631818 | XXXXXX | XXXXXX | 7128062 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR of XXXXX does not meet XXXX XXXX XXXXXX XXXXX calculation of X |  | The file contained an XXXXXX XXXXX and an email from XXXXX stating the XXXXXX is approved as presented. |  |  |  | 01/29/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631877 | XXXXX | XXXXXX | 7128596 | 879 | XXXXXX | Credit | Application |  | Application - Other: |  | Initial application must be signed by borrower and XXXX | Information provided |  |  | 02/05/2025 |  | A | 1 | XXXXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1631926 | XXXXX | XXXXXXX | 7128182 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | updated XXXX statement worksheet from XXXXXXX XXXX ownership and XXXX XXXXX | The XXXX statement is in file, showing XX deposits, the income sheet reflecting XX for the month of XXXX is correct. |  | Client 01/27/2025 12:18 PM; The XXXX statement is in file, but it had XX deposits, the income sheet reflecting XX for the month of XXXX is correct. <br> XXXXX_income XXXXXXXXX XXXX XXXXX XXXXXX - initial upload <br> XXXXXX_income sheet XXXXXXXXXXX XXXXX XXXXX XXXXXX - reupload XXXXXX you for reviewing<br>Reviewer 01/27/2025 12:33 PM; Condition has been reviewed. XXX<br>| 01/27/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1631926 | XXXXX | XXXXXXX | 7129433 | 206 | XXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - year premium not in force at least 60 days post funding. |  | Hazard XXXXXXX expires XXXXXX XXXXXXX provide updated policy for review. | Information provided |  |  | 02/13/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1631926 | XXXXX | XXXXXXX | 7129668 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of XXXXXX due to the addition of the XXXXXX XXXXXXX fee on the XXXXX XXXXX XXXXXXX provide proof of refund, XXXX to borrower and a XXXXX reflecting cure. XXXX must be provided iwthin XXX days of closing |  |  | Reviewer 02/14/2025 05:53 PM; <br>| 02/14/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1631926 | XXXXX | XXXXXXX | 7129669 | 902 | XXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 02/18/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1631926 | XXXXX | XXXXXXX | 7129920 | 894 | XXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Please provide evidence the XXXXX XXX was received at least XX days prior to closing | Information provided |  |  | 02/18/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1631934 | XXXXX | XXXXXX | 7128210 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval reflects loan is a cash out refinance. XXXXX confirmation reflects loan is a XXXX XXXX | Revised XXXX provided. |  | Client 01/28/2025 11:17 AM; Updated ldl is in loan reflecting rate and term refinance XXXXXX you for reviewing<br>Reviewer 01/28/2025 11:38 AM; <br>| 01/28/2025 |  | A | 1 | XXXXXX | MO | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1631934 | XXXXX | XXXXXX | 7128966 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Updated XXXXX required, per lock in file loan closed with XXXXX per closing docs the loan did not close with a XXXXXX XXXXXXX provide updated lock reflecting no XXXXX | Information provided |  | Reviewer 02/10/2025 01:43 PM; Updated lock has not been provided<br>| 02/14/2025 |  | A | 1 | XXXXXX | MO | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1631978 | XXXXX | XXXXX | 7128294 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Subject located in XXXXXX XXXXXX case by case to be determined | Per matrix, when property is located in a declining market are, the max XXXX is reduced by XXXXX XXXXX loan would have a max ltv of XXXX (cash out, XXXXXX XXXX XXXXXXX but max was reduced to XXXXX |  | Client 01/28/2025 11:04 AM; Per matrix, when property is located in a declining market are, the max XXXX is reduced by XXXXX XXXXX loan would have a max ltv of XXXX (cash out, XXXXXX XXXX XXXXXXX but max was reduced to XXXXX<br>Reviewer 01/28/2025 11:28 AM; <br>| 01/28/2025 |  | A | 1 | XXXXXX | KS | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1631978 | XXXXX | XXXXX | 7128295 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | no XXX score, satisfactory second evaluation required | Acceptable XXXX provided. |  |  | 01/28/2025 |  | A | 1 | XXXXXX | KS | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1632162 | XXXXX | XXXXXXX | 7129772 | 65 | XXXXXX | Compliance | Right to Cancel |  | Right to Cancel - is missing. |  | Right to XXXXXXX is missing from images. | Information provided |  |  | 02/14/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1632162 | XXXXX | XXXXXXX | 7128431 | 384 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Satisfactory third party verification of XXXX ownership of business other than borrower generated XX | XX,XXX shares are XXXX XXXX reflects XX other members |  | Reviewer 02/13/2025 02:01 PM; the document received from the XXXX did not reflect the percentage of borrower''''s ownership of business. XXX states there are XXXXXXX authorized shares, but not how much is owned.<br>| 02/17/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1632162 | XXXXX | XXXXXXX | 7128432 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory XXXX schedule | REO schedule is acceptable as is since borrower does not own additional properties |  | Client 02/04/2025 02:36 PM; REO is satisfactory as is. XXXXXXX clear.<br>Reviewer 02/04/2025 03:32 PM; Condition has been reviewed. XXX<br>| 02/04/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1632162 | XXXXX | XXXXXXX | 7128434 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory documentation omitting XXXXXXX owned at XXXXX XXXX XXX XXXXX XXXX XXXXXXX XXX XXXX with XXXXXXX XXXXXXX reporting on credit) | Property report supports borrower does not own XXXXX XXXX XXX XXXX |  | Client 02/04/2025 02:36 PM; I have uploaded a document that shows that borrower does not own this property. <br>Reviewer 02/04/2025 03:32 PM; Condition has been reviewed. XXX<br>| 02/04/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1632162 | XXXXX | XXXXXXX | 7128435 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory documentation omitting XXXXXXX owned at XXXXX XXXXX XXXX XXXX XX | Property report supports borrower does not own XXXXX XXXXX XX |  | Client 02/04/2025 02:37 PM; I have uploaded a document that shows that borrower does not own this property.<br>Reviewer 02/04/2025 03:32 PM; Condition has been reviewed. XXX<br>| 02/04/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1632162 | XXXXX | XXXXXXX | 7128436 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence there is no XXXX for property located at XXXXXX XXXX XXXX XXXXX XXXX XX | Zillow report supports XXXX dues XXXXXX |  | Client 02/04/2025 02:38 PM; I have uploaded the XXXXXXX printout that shows that the XXXX is XXXXXX XXXX current XXXX is XXXXXX XXXXX will not make a difference in the XXXXXX XXXXXXX waive. <br>Reviewer 02/04/2025 03:32 PM; Condition has been reviewed. XXX<br>| 02/04/2025 |  | A | 1 | XXXXXX | MI | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1632203 | XXXXX | XXXXXXX | 7129102 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 02/11/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1632203 | XXXXX | XXXXXXX | 7129103 | 920 | XXXXXX | Compliance | Compliance |  | Compliance - TRID-Missing Final CD |  | Final XXX in file is not signed by the borrower | CD provided |  |  | 02/11/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1632203 | XXXXX | XXXXXXX | 7128502 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence child support payments of XXXXX monthly noted on personal XXXX statements have been omitted from XXXXX | UW worksheet debt page reflecting no child support debt included in XXXX uploaded |  | Client 01/30/2025 04:51 PM; UW worksheet debt page reflecting no child support debt included in XXXX uploaded XXXXX_uw worksheet debt XXXXXXXX XXXX XXXXX XXXXXX XXXXXX you for reviewing<br>Reviewer 01/30/2025 05:15 PM; <br>| 01/30/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1632203 | XXXXX | XXXXXXX | 7128503 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CU score missing, satisfactory second evaluation required | FNMA XXXXX XXX XXXXX score was XXXX |  |  | 01/30/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1632203 | XXXXX | XXXXXXX | 7128504 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Supply personal XXXX statement xXXX with XXXXXXX XXXXX XXXXXX XXXXX for month covering XXXXXX that was not found | XXX XXXX printout containing XXXX statement provided. |  | Client 01/30/2025 05:18 PM; XXXXXXX_TDOC_XX_XX - XX_XX XXXXXXX XXXX printout_XXXXXX.pdf - missing october statement uploaded XXXXXX you for reviewing<br>Reviewer 01/30/2025 06:35 PM; <br>| 01/30/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1632203 | XXXXX | XXXXXXX | 7128505 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Satisfactory XXXXX statement income worksheet supporting XXXXXXX used in repayment | Income worksheet uploaded supporting XXXXX resulting in XXXX of XXXXXXX still qualifies - |  | Client 01/30/2025 04:50 PM; Income worksheet uploaded supporting XXXXX resulting in dti of XXXXXXX still qualifies - XXXXX_Income sheet supporting XXXXXXXX XXXX XXXXX XXXXXX XXXXXX you for reviewing<br>Client 01/30/2025 05:08 PM; Please disregard this post. XXXXXX you!<br>Reviewer 01/30/2025 05:15 PM; <br>Reviewer 01/30/2025 06:25 PM; <br>Reviewer 01/31/2025 10:03 AM; <br>| 01/30/2025 |  | A | 1 | XXXXXX | TX | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1632240 | XXXXX | XXXXXX | 7128544 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Non XXXXX XXXXXXX transaction with back taxes from XXXXX unpaid. XXXXX evidence taxes are current prior to closing, or XXXXX to approve exception for bailout at closing. |  | Received exception approval from XXXXXXX XXXXXXX as if XXXXX history has a XXXXXX day late. |  |  |  | 02/06/2025 B | 2 | XXXXXX | CT | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1632240 | XXXXX | XXXXXX | 7128545 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | CPA to verify they have prepared or reviewed the tax returns for the covered period on X | document provided |  |  | 02/07/2025 |  | A | 1 | XXXXXX | CT | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1632240 | XXXXX | XXXXXX | 7128546 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Supply satisfactory evidence of XXXX license | document provided |  |  | 02/07/2025 |  | A | 1 | XXXXXX | CT | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1632240 | XXXXX | XXXXXX | 7128547 | 258 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | Second final inspection required to evidence chipping/peeling lead paint on XXXXX built home has been resolved, and the flooring in both bedrooms have been completed for safety. | Pictures provided reflect the bedrooms and bathroom have been completed. |  | Reviewer 02/06/2025 07:12 PM; Provide a cost to cure the XX unfished bedrooms or evidence the unfinished bedrooms are not a potential safety issue.<br>| 02/12/2025 |  | A | 1 | XXXXXX | CT | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1632240 | XXXXX | XXXXXX | 7129105 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/10/2025 |  | A | 1 | XXXXXX | CT | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1632240 | XXXXX | XXXXXX | 7129106 | 891 | XXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Missing the initial XXX issued within XX days of application XXXXXX | Information provided |  |  | 02/10/2025 |  | A | 1 | XXXXXX | CT | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1632264 | XXXX | XXXX | 7128839 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan XXXXX missing from file. | received loan approval |  |  | 02/07/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A |  | Non-QM | 1 |
| 1632264 | XXXX | XXXX | 7128840 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXX XXXXXX |  |  | 02/05/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A |  | Non-QM | 1 |
| 1632264 | XXXX | XXXX | 7128841 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Mortgage loan being paid off is a balloon that expired XXXXX XXXXX is considered in default. | Received XXXX from XXXXXX stating loan is current and next pay date was XXXXXXX |  | Client 02/05/2025 01:23 PM; Please obtain additional info: is the current lender still accepting payments? XXXXX they filed a XXXXXX XXXXX payoff include any XXXXXX fees? XXX the current lender is not on war footing but is working with the borrower to resolve the matured balloon, then XXXXX is able to purchase the loan withing XXX and policy guidance per management.<br>Reviewer 02/05/2025 02:57 PM; condition updated<br>Reviewer 02/05/2025 02:57 PM; Please obtain additional info: is the current lender still accepting payments? XXXXX they filed a XXXXXX XXXXX payoff include any XXXXXX fees? XXX the current lender is not on war footing but is working with the borrower to resolve the matured balloon,<br>Reviewer 02/05/2025 02:57 PM; Please obtain additional info: is the current lender still accepting payments? XXXXX they filed a XXXXXX XXXXX payoff include any XXXXXX fees? XXX the current lender is not on war footing but is working with the borrower to resolve the matured balloon,<br>Reviewer 02/07/2025 08:55 AM; Document received did not include information requr=ested from the current lender prior to closing<br>| 02/10/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A |  | Non-QM | 1 |
| 1632264 | XXXX | XXXX | 7128846 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Gift funds are not permitted on refinances per guidelines XXXX XXXXXX |  | Comp factors: XXXX XXXXX satisfactory housing history | Client 02/05/2025 01:24 PM; Section XXXXX does not specifically disallow gift for a refinance. XXXXX is short personal funds to close at this XXXX but has a matured XXXX note to resolve. XX family member's gift is logical under this circumstance.<br>Reviewer 02/05/2025 02:59 PM; Provide exception for file referencing commentary in escalation. <br>Reviewer 02/05/2025 02:59 PM; Provide exception for file.<br>Reviewer 02/05/2025 02:59 PM; Provide exception for file <br>Reviewer 02/07/2025 08:51 AM; The document received did not reflect an exception for the gift funds<br>|  |  | 02/11/2025 B | 2 | XXXXXX | CA | 1 | 3 C B | C | A |  | Non-QM | 1 |
| 1632264 | XXXX | XXXX | 7128707 | 72 | XXXXXX | Compliance | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | lock provided |  |  | 02/06/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7128735 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max XXXXX amount of XXXX not met for XXXXX borrower |  | Loan amount of XXXX XXXXXX is approved. XXXXX XXXXX XXXXX reserves (which may be from net cash out from the refinance), XXXX XXXX XXXXX XXXXXX housing history XXXX XXXX provided), XXXX XXXXXX | Client 02/04/2025 09:40 AM; please see upload XXXXX_Exception XXXXXXXXXXX XXXXX XXXXXXXXXXX – exception email from XXXXXX uploaded on XXXXX XXXXXXX waive XXXXXX you for reviewing<br>Reviewer 02/04/2025 11:46 AM; <br>|  |  | 02/04/2025 B | 2 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7128739 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | no XXX score provided, satisfactory second evaluation required. | FNMA XXXXX XXX XXXXXX XXXXXX |  | Client 02/04/2025 09:50 AM; Please see document upload today XXXXXX you for reviewing<br>Reviewer 02/04/2025 11:47 AM; <br>| 02/04/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7128740 | 384 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Evidence borrower has been self employed for at least two years, for XXXXX XXXXXX XXXXXX did not mention when either of the two self employments used in repayment were opened) | Fictitious XXXXX XXXXXXX XXXXXX provided. |  |  | 02/04/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7129607 | 846 | XXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Provide evidence XXXXX XXXXXX XXXXXXX disclosure was disclosed to the borrower within XX days of application date of XXXX | Information provided |  |  | 02/12/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7129609 | 846 | XXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Provide XXXXX dated within XX days of application date of XXXXX XXX XXXXX located in file. | Information provided |  |  | 02/12/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7129612 | 894 | XXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Provide initial XXX and any revised XXXXXX XXX XXXX were located in file. | Information provided |  |  | 02/12/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7129613 | 902 | XXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 02/12/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7129614 | 970 | XXXXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | Provide initial XXXXX XXXXX final XXX was located in file. | Information provided |  |  | 02/12/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7129615 | 1058 | XXXXXX | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  |  | 02/12/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632330 | XXXXX | XXXXX | 7129733 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Confirm XXXX license/existence | CA XXXX and XXXXXX provided |  | Client 02/24/2025 12:24 PM; Please see the following uploads that confirm existence of XXX - XXXX XXXXX_M<br>Reviewer 02/24/2025 01:10 PM; <br>| 02/24/2025 |  | A | 1 | XXXXXX | CA | 1 | 3 C B | C | A C |  | Non-QM | 1 |
| 1632484 | XXXXX | XXXXX | 7128948 | 436 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | Verbal dated XXX days before closing for XXX income used in repayment | VVOE dated XXXXXX provided. XXXXX dated XXXXXXX |  | Client 02/10/2025 06:12 PM; This will come with the closing package.<br>Reviewer 02/10/2025 06:12 PM; <br>Reviewer 02/10/2025 06:12 PM; This will come with the closing package.<br>| 02/23/2025 |  | A | 1 | XXXXXX | VA | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1632484 | XXXXX | XXXXX | 7128949 | 336 | XXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Satisfactory income worksheet from XXXXXXX at XXXXX ownership and XXXX XXX (wkst provided expired) | Income work sheet provided. |  | Client 02/10/2025 06:13 PM; Added updated income calculation to the file. XXXXX thru XXXXX<br>Reviewer 02/10/2025 06:28 PM; <br>| 02/10/2025 |  | A | 1 | XXXXXX | VA | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1632507 | XXXXXX | XXXXXX | 7129187 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Vacant XXXXXXX properties are not eligible for refinances per guidelines section XXXX XXXXX is a XXXXXXX property. XX unit is vacant. XXXX eligible for a refinance. |  | Exception allowed to move forward. XXXXX XXXX XXXX XXXX XXXXX reserves after close XXXXXXX | Client 02/07/2025 12:50 PM; LTV is XXXXXXX XXXXX is XXXXXXX based only on the use of rents from one of the units. XXXXXXX in the appraisal clearly indicate both units are occupied. XXX months reserves.<br>Reviewer 02/07/2025 02:56 PM; <br>Client 02/11/2025 01:42 PM; Per XXXXXX XX this has been approved to move forward . XXXX XXX<br>Reviewer 02/11/2025 03:10 PM; <br>|  |  | 02/11/2025 B | 2 | XXXXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1632590 | XXXX | XXXX | 7129479 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  |  | Documents provided |  | Reviewer 02/10/2025 03:31 PM; file is missing credit and closing packages<br>| 02/10/2025 |  | A | 1 | XXXXXX | NV | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632590 | XXXX | XXXX | 7129203 | 7 | XXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide the initial application for proof of initial application date. | Information provided |  |  | 02/11/2025 |  | A | 1 | XXXXXX | NV | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632590 | XXXX | XXXX | 7129204 | 29 | XXXXXX | Valuation | Appraisal |  | Appraisal - is missing |  | Please provide the appraisal for review. | Information provided |  |  | 02/11/2025 |  | A | 1 | XXXXXX | NV | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632590 | XXXX | XXXX | 7129205 | 666 | XXXXXX | Credit | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Please provide the sales contract/purchase agreement. | Information provided |  |  | 02/11/2025 |  | A | 1 | XXXXXX | NV | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632590 | XXXX | XXXX | 7129206 | 824 | XXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Please provide the XXXXXX policy. | Information provided |  |  | 02/11/2025 |  | A | 1 | XXXXXX | NV | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632590 | XXXX | XXXX | 7129679 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory XXXXXX XXXXXX | received fraud reeport |  |  | 02/13/2025 |  | A | 1 | XXXXXX | NV | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632727 | XXXXX | XXXXXX | 7129619 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Lease for unit XX XXXXXXX missing from file. XXXXXX in file is not for this property |  | Exception to move forward without a lease. XXXX market rent is higher than rents given per lease agreement. XXXXX factors: XXXXX rental history XXXXX over XX months reserve, XXXXX > XXXXXXX |  |  |  | 02/11/2025 B | 2 | XXXXXX | CT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1632727 | XXXXX | XXXXXX | 7129618 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX XXXXXX not permitted on XXXXXXX properties. |  | Compensating factors: XXXXX rental history XXXXX over XX months reserve, XXXXX > XXXXXX |  |  |  | 02/11/2025 B | 2 | XXXXXX | CT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1632765 | XXXXXX | XXXXXX | 7129792 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrowers with no primary housing rating not permitted. |  | Compensating factors: XXXX XXXX below max of XXXXX XXXXX XXXX above minimum of XXXXX XXX months reserve well above required of XX months |  |  |  | 02/13/2025 B | 2 | XXXXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1632780 | XXXXX | XXXXXXX | 7130257 | 884 | XXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/25/2025 |  | A | 1 | XXXXXX | FL | 1 | 13 C A B | C | A |  | Non-QM | 1 |
| 1632780 | XXXXX | XXXXXXX | 7130258 | 898 | XXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for the decrease in the XXXXXXX XXXXXXX on the XXXXXX XXX without a valid explanation. XXXXXX amount is XXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. | Information provided |  |  | 02/25/2025 |  | A | 1 | XXXXXX | FL | 1 | 13 C A B | C | A |  | Non-QM | 1 |
| 1632780 | XXXXX | XXXXXXX | 7130259 | 846 | XXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Need the XXXXX issued within XX days of XXXXX application date. | Information provided |  |  | 02/25/2025 |  | A | 1 | XXXXXX | FL | 1 | 13 C A B | C | A |  | Non-QM | 1 |
| 1632780 | XXXXX | XXXXXXX | 7130261 | 967 | XXXXXX | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | Need a XXXXX with corrected funding date on pg XX XXXX XX to be at least XX business days after closing date of XXXXXXX XXXXXXX or later). | Information provided |  | Reviewer 02/25/2025 08:06 AM; NO documentation has been provided<br>| 02/25/2025 |  | A | 1 | XXXXXX | FL | 1 | 13 C A B | C | A |  | Non-QM | 1 |
| 1632832 | XXXXX | XXXXXXX | 7129778 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXX XXXXXXX XXXXXX section XXXX | CU score XXXXX provided. XXXXXX XXXXX XXXXXXX by XXXX completed XXXXXX XXXXX XXXXX rating. |  |  | 02/14/2025 |  | A | 1 | XXXXXX | TX | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1632854 | XXXXXX | XXXXXX | 7130106 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing dated loan approval document | Approval XXXXX provided. |  |  | 02/20/2025 |  | A | 1 | XXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1632891 | XXXXX | XXXXX | 7130023 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Missing exception approval for a borrower that is a XXXXX-time borrower purchasing a XXXXX investment property and is living rent free. |  | Exception approval granted for a borrower that is a XXXXX-time borrower purchasing a XXXXX investment property and is living rent free. XXXXX factors are XXXX XXXX XXXX of XXXXX with a cash investment of XXXXXXX using own funds XXXX XXXXX at XXXX XXXX XX months of post-closing XXXXX reserves. |  |  |  | 02/19/2025 B | 2 | XXXXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1632913 | XXXXXX | XXXXXX | 7130070 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing dated loan approval document | Information provided and accepted |  |  | 02/21/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1632913 | XXXXXX | XXXXXX | 7130072 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing two consecutive months statement from XXXXX XXXXX XXXXXXX confirming source of a XXXXX XXXX wire transfer to the title company for the purchase of the subject property. XXXXXX XXXXX indicates a balance of XXXX XXXXXX XXXX statements can also be utilized as an additional tradeline per guidelines). | Information provided |  |  | 02/21/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1632913 | XXXXXX | XXXXXX | 7130180 | 998 | XXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Title must provide written confirmation that the XXXX is acceptable and will be recorded concurrently with the security instrument, with a copy provided to XXXXXX | Email provided from the XXXXXX XXXX states XXXX is approved. |  | Reviewer 02/24/2025 11:40 AM; The title report received did not specifically state the XXXX is acceptable and will be recorded concurrently with the security instrument, with a copy provided to XXXXXX<br>| 02/26/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1632913 | XXXXXX | XXXXXX | 7129867 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | lock provided |  |  | 02/21/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1632914 | XXXXX | XXXXX | 7130135 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing required full and complete fraud report | received fraud report with alerts cleared by lender |  |  | 02/20/2025 |  | A | 1 | XXXXXX | OK | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1632914 | XXXXX | XXXXX | 7130136 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Missing signed and dated approved XXXXX guideline exception for borrower that is a XXXXXX XXXXX XXXXXX and XXXXXX XXXXX XXXXXXX XXXXXX is a blank exception request form in the file however there is not any indication of XXXXX management approval. |  | Exception approved for a XXXXX with no rental history purchasing a XXXXXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXX XXXX XXXXX XXXX XXXXXXX | Client 02/21/2025 11:58 AM; Exception from XXXXX has been uploaded. XXXXXXX clear<br>Reviewer 02/21/2025 12:13 PM; <br>|  |  | 02/21/2025 B | 2 | XXXXXX | OK | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1633162 | XXXXX | XXXXX | 7130489 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX XXXXXX purchase of an investment property requires an XXXXX XXXXXXX not just XXXX and XXXXX limits. XXXXXX exception review requires a letter of explanation explaining why the borrower is choosing to continue as a renter vs buying a primary residence. | XXX has deemed there is no exception. XXXX guidelines used were the prevailing guides. |  | Client 02/25/2025 11:29 AM; XXX has deemed there is no exception. XXXX XXXXX XXXXXX XXXXX that is uploaded to support. XXXXXXX clear<br>Reviewer 02/25/2025 11:58 AM; <br>| 02/25/2025 |  | A | 1 | XXXXXX | NY | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633166 | XXXXX | XXXXX | 7130331 | 851 | XXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Missing exception approval for a XXXXXX XXXXX XXXXXX and a XXXXXX XXXXX XXXXX purchasing an investment property. |  | Approval granted for a XXXXXX XXXXX XXXX XXXXX XXXXX living rent free purchasing an investment property. XXXXX factors are XXXX XXXXX months reserves XXXX XXXXX score of XXXX and XXXX XXXXX of XXXXXXX |  |  |  | 02/22/2025 B | 2 | XXXXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1633207 | XXXXXX | XXXXXX | 7130461 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing dated final approval | Loan XXXXX provided XXXXX XXXXX |  | Client 02/27/2025 12:26 PM; approval date is listed on approval. please waive thank you <br>Reviewer 02/27/2025 12:55 PM; Condition has been reviewed. XXX<br>| 02/27/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633207 | XXXXXX | XXXXXX | 7130462 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the following documentation XXXX XXXXX of XXXXXX XXXX XXXX of XXXXX XXXXXX XXXX XXXX number for the entity | Received XXXX XXXXX of XXXXXX XXXX XXXX of XXXXX XXXXXX XXXX XXXX number for the entity |  |  | 02/26/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633207 | XXXXXX | XXXXXX | 7130294 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXX of XXXXX documents. | POA provided |  |  | 02/26/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633207 | XXXXXX | XXXXXX | 7130295 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Lock XXXX |  |  | 02/26/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633207 | XXXXXX | XXXXXX | 7130296 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXX XXXXXXX of XXXX | Documents provided |  |  | 02/26/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633207 | XXXXXX | XXXXXX | 7130491 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Certificate of XXXX XXXXXX to operate in the state other than where business is being performed (XXX applicable). | Received florida XXX |  |  | 02/26/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633207 | XXXXXX | XXXXXX | 7130492 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Guarantees on all XXXX with XXXX or more ownership | Received XXXX |  |  | 02/26/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133235 | 7 | XXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide initial application for proof of initial application date. | Information provided |  | Client 03/17/2025 11:51 PM; Hello. XXX initially had borrowers sign a term sheet in leu of a loan application. XX have uploaded the inital term sheet along with the final XXXXXX property application form. XXXXX is not an agency loan, so please waive this condition. XXXXXX you.<br>Reviewer 03/18/2025 08:30 AM; <br>Reviewer 03/18/2025 12:08 PM; <br>| 03/18/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133236 | 824 | XXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Please provide the title policy for review. | Information provided |  |  | 03/19/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133238 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 03/18/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133239 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the lender''''s approval. | Information provided |  |  | 03/18/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133324 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | received XXXXX XXXX |  | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible<br>| 03/18/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133325 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Tax cert missing from file | Received tax cert XXXXXXX |  |  | 03/18/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133326 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan XXXXX missing from file. | received loan approval |  | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible<br>Reviewer 03/18/2025 09:42 AM; The document received did not include the terms of the loan approval (loan amount, interest rate term, and general conditions.<br>| 03/18/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133328 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | FNMA XXX XXXXXX missing from file. XXX score is > XXXXXX XXXX required. | Received XXX |  | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible<br>| 03/18/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133329 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Required if XXX score is > XXXX | Received XXX |  | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible<br>| 03/18/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133331 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Fraud XXXXXXX missing from file. | received fraud report |  | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible<br>Reviewer 03/18/2025 09:58 AM; Document received was a report from XXXXXXX and not considered a fraud report<br>| 03/26/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133333 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | X complete months of asset statements required. XXXX asset verification in file appears to be a print screen. XXX does not have the name of the XXXX, address or account numbers. XXX days required for all foreign nationals. | received XXX days of foreign financial banking relationship |  | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible<br>| 03/26/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133334 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit XXXXX for XXXX XXXXX not met. XXXXXXX XXXX XXXXXX require XXX XXXXXXX XXXX XXXXXX credit report, original credit letter from an internationally known financial institution or a XXXX statement documenting a foreign financial banking relationship for the past XXX days. | received XXX days of foreign financial banking relationship |  | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible<br>| 03/26/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633855 | XXXXX | XXXXX | 7133336 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification of XXXXX XXXXX for XXXX in XXX and verification proof of sale and our XXXXX XXXXX owner was filled with the XXXXXX of XXXX XXXXXX XXXXXX pf the sale is in the file dated XXXXX XXXX documentation in file dated XXXXXX | Received XXXXXX XXXX verification of business XXXXXX |  | Reviewer 03/16/2025 12:02 PM; Document received was an XXXX file and illegible<br>| 03/18/2025 |  | A | 1 | XXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633857 | XXXXXXX | XXXXXXX | 7133452 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The following items are missing from the loan file XXXXX lock, XXXXX XXXXXX XXXXXX report, XXXXXX XXXXXX XXXXXX XXXXX statements - since we dont have a XXX credit report we need XX months statements from two foreign banks. XXXX credit review is on hold until documents are received. | Received rate lock, loan approval and final XXXXXXX XXXXX this deficiency and replacing wit h final review items |  |  | 03/14/2025 |  | A | 1 | XXXXXX | KY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633857 | XXXXXXX | XXXXXXX | 7133246 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  | Client 03/14/2025 10:45 AM; Hello. XXX will need you to pull XXXXX and the fraud report. XXX pull XXXXXXX on the guarantors only and we do not do agency loans, so we are not set up with XXXXXXX XXXXXX this was a purchase transaction, so translated XXXX statements were provided for asset verification which can also be used for the credit history. XXXX the XXXXXX accounts that were provided in both XXXXXXX and XXXX for both accounts. XXXXXX you.<br>Reviewer 03/14/2025 12:12 PM; <br>Reviewer 03/14/2025 12:24 PM; Hello <br> XXXXXXX will address and update. <br>XXXXXX<br>Reviewer 03/14/2025 01:16 PM; escalated for review<br>| 03/14/2025 |  | A | 1 | XXXXXX | KY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633857 | XXXXXXX | XXXXXXX | 7133794 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing required fraud report | received fraud report |  |  | 03/26/2025 |  | A | 1 | XXXXXX | KY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633857 | XXXXXXX | XXXXXXX | 7133796 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing XXXXX XXXXX report with a score of XXXXX or below. XXX the score is over XXXXX then a desk review is required to confirm the appraisal market value of XXXXXXX | received desk review |  |  | 03/18/2025 |  | A | 1 | XXXXXX | KY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633857 | XXXXXXX | XXXXXXX | 7133797 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing XXXX statements for the past XXX days from XXXXXX XXXXXXX and XXXXXX XXXXXXX confirming the equivalent of XXXXX XXXX XXXXXXX and XXXXX XXXX XXXXXXX pre-closing assets of XXXXXX XXXX XXXX balances must be verified in XXXX equivalency at the current exchange rate via either XXX or the XXXX conversion table. XXXXX statements in any language other than XXXX must be translated into XXXXXX | Conversation transaction history provided |  | Reviewer 03/27/2025 10:35 AM; Documents provided that could be read were XX wires from borrower to title company - XXXX on XXXXX and XXXXX on XXXXXXX XXXXXX funds required for closing XXXXXXX XXXXX date XXXX<br>Client 04/03/2025 11:35 AM; Please review all of the XXXX statements and translations that were uploaded to the portal on XXXX XXXX of the documents that were submitted are able to be opened and analyzed that XX see in your portal. XXXX names of the documents that XX uploaded all got changed to say XXXXX and a number only. XXXXX XX originally submitted them, they were all labeled as to which accounts, which transfers, the XXXXXXX statements as well as the translated statements. XXXXX nee<br>Reviewer 04/03/2025 01:31 PM; Condition has been reviewed. XXX<br>| 04/03/2025 |  | A | 1 | XXXXXX | KY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633857 | XXXXXXX | XXXXXXX | 7133798 | 320 | XXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing evidence that sufficient funds to close were on deposit with the XXXXXXX XXXXXX at least three business days prior to the closing date. | Wire confirmations provided. XXXX receipt for XXXXXXX (not wire) was after XXXXXXX XXXXXX XXXX was a XXXXXXX |  | Reviewer 03/27/2025 10:35 AM; XXXXXX provided that could be read were XX wires from borrower to title company - XXXX on XXXXX and XXXXX on XXXXXXX XXXXXX funds required for closing XXXXXXX XXXXX date XXXX<br>| 04/03/2025 |  | A | 1 | XXXXXX | KY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633857 | XXXXXXX | XXXXXXX | 7133799 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the following documentation regarding XXXX XX XXXXXXX XXXX XXXXXX XXX XXXXX XXXX XXXX of XXXXX XXXXX and XXXX XXXX of XXXX XXXXXX to operate in the state (if entity is formed in a state other that where business is being performed). | received XXXXX standing and XXXX document for business |  |  | 03/18/2025 |  | A | 1 | XXXXXX | KY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1633857 | XXXXXXX | XXXXXXX | 7133800 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing acceptable guidelines documentation confirming the status of the borrower and coborrower as XXXX XXXXX | received passport |  | Reviewer 03/19/2025 10:35 AM; The document provided for XXXXX XXXXXXX XXXXXXX is not in english. XXXXXXX to identify as borrower''''s identification.<br>| 03/25/2025 |  | A | 1 | XXXXXX | KY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1634441 | XXXXXX | XXXXXX | 7133660 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the operating agreement/articles of incorporation. | Documentation provided |  |  | 03/18/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634441 | XXXXXX | XXXXXX | 7133721 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | Received XXXX XXXXX XXXXX on approval |  | Reviewer 03/18/2025 05:41 PM; The loan approval received reflects loan type as conventional and full doc. XXXX loan is locked as XXXXX XXXX XXXXX and is not conventional <br>Reviewer 03/19/2025 08:20 PM; The document received did not include the loan approval with doc type as XXXX XXXXX XXXX<br>| 03/21/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634441 | XXXXXX | XXXXXX | 7133722 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Photo XXX for XXXX required per guidelines - missing from file. | received photo XXX for XXX |  |  | 03/18/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634441 | XXXXXX | XXXXXX | 7133724 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Written approval from title for XXXX required per guidelines - missing from file. | Received XXXX prepared by title law firm |  |  | 03/18/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634441 | XXXXXX | XXXXXX | 7133725 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | EIN for XXXX missing from file. | received XXX |  |  | 03/18/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634441 | XXXXXX | XXXXXX | 7133726 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Certificate of XXXXXX / XXXX of XXXXX required and missing from file. | Received XXXXX of XXXX |  |  | 03/18/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634441 | XXXXXX | XXXXXX | 7133727 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Operating XXXXXX for XXXX missing from file. | received XX |  |  | 03/18/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634441 | XXXXXX | XXXXXX | 7133728 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Guarantees on all XXXX with XXXX or more | received guarantee |  |  | 03/18/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634987 | XXXXXX | XXXXXX | 7135437 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The XXXXXX XXXXXXX XXXX of XXXXXX / XXXXX of XXXXXX XXXX of XXXXX XXXXXX XXXX XXXXXXX for the XXXX XXXXXX XXXXX in entity name signed by all guarantors are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 03/28/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634987 | XXXXXX | XXXXXX | 7135361 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the operating agreement/articles of incorporation. | Document received |  |  | 03/31/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634989 | XXXXXX | XXXXXX | 7135369 | 187 | XXXXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide the XXXXXX XXXXXX | Information provided |  |  | 03/31/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1636943 | XXXXXX | XXXXXX | 7136625 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 04/16/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1636979 | XXXXXX | XXXXXX | 7136763 | 29 | XXXXXX | Valuation | Appraisal |  | Appraisal - is missing |  | Please provide the appraisal for review. | Information provided |  |  | 04/15/2025 |  | A | 1 | XXXXXX | NV | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1636979 | XXXXXX | XXXXXX | 7136961 | 1055 | XXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The XXXXXXX XXXXXX credit reference per guidelines, and final signed XXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Appraisal and XXX received |  |  | 04/15/2025 |  | A | 1 | XXXXXX | NV | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1636979 | XXXXXX | XXXXXX | 7137259 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing one of the following credit reference requirements for a XXXX XXXXX borrower XXXX XX XXX credit report with at least two tradelines with a minimum age of two years for one tradeline, or XXXX XXX international credit report, or XXXX XXX original credit reference letter from an internationally known financial institution. XXXXXX reference letter does not need to include details or payment histories of debt obligations located outside of the XXXX or XXXX XX XXXX statement documenting a foreign financial banking relationship for the past XXX days. XXXX XXXX balances must be verified in XXXX equivalency at the current exchange rate via either www.xe.com or the XXXX conversion table. XXXXX statements in any language other than XXXX must be translated into XXXXXX | Banks statements provided are from XXX account which is sufficient to meet XXX credit requirements |  | Reviewer 04/18/2025 08:42 AM; The document received was a XXXX statement from XXXXXX XXXXX with a XXXX XXXXXX address and did not clear any of the items requested.<br>Client 04/19/2025 04:20 PM; banks statements uploaded are from XXX account which is sufficient to meet XXX credit requirements<br>Reviewer 04/20/2025 07:51 PM; <br>| 04/20/2025 |  | A | 1 | XXXXXX | NV | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1638961 | XXXXXX | XXXXXX | 7138569 | 272 | XXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing final XXXXXX report confirming that all construction has been completed | Received XXXXX |  |  | 05/02/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1638961 | XXXXXX | XXXXXX | 7138576 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXX of XXXXXXX of XXXXX for XXXX XXX | Received XXXXX of XXXXX for XXXX XXX |  |  | 05/02/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1638961 | XXXXXX | XXXXXX | 7138577 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXX number for XXXX XXX | Received XXX |  |  | 05/02/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1638961 | XXXXXX | XXXXXX | 7138578 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXX of XXXXX XXXXX for XXXX XXX | Received current XXXXXXX standing with XXX XXX |  |  | 05/02/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1638961 | XXXXXX | XXXXXX | 7138503 | 72 | XXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the operating agreement. | Information provided |  |  | 05/02/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1638961 | XXXXXX | XXXXXX | 7139330 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXXX signed by XXXXXX XXXX XXXXX XXXX owner of XXXX XXXXX XXX |  | Exception granted not to add additional member to the loan. XXXXX XXXXX XXXX XXXXX XXXXX XXXX |  |  |  | 05/09/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1638961 | XXXXXX | XXXXXX | 7139331 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing signed and date XXXXX by XXXXXX XXXX XXXXXXX |  | Exception granted not to add additional member to the loan. XXXXX XXXXX XXXX XXXXX XXXXX XXXX | Client 05/08/2025 06:14 PM; Exception for added XXXXXX has been uploaded, please waive.<br>Reviewer 05/09/2025 07:29 AM; <br>|  |  | 05/09/2025 B | 2 | XXXXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1638961 | XXXXXX | XXXXXX | 7139332 | 330 | XXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXXXX XXXXXXX XXXXXXX from XXXX XXXXX XXXX signed by all members confirming that XXXXXX XXXX XXXXXX as having the authority to execute the necessary loan documents for the XXX | LLC XXXXXX XXXXXX provided |  |  | 05/09/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1639275 | XXXXXX | XXXXXX | 7138846 | 1108 | XXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a secondary valuation as XXX score is > XXXXXXX XXXXXXX score is XXXXXX | Received XXX |  |  | 05/06/2025 |  | A | 1 | XXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |

---

## Exhibit 99.34

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.34**

![](evolve-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 07/21/2025 2:02:09 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1630054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1636979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1630853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1630708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1630499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.28% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1632203 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1630704 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1631926 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632162 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1631987 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1629860 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631094 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1630916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1629301 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.04% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1630012 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 8.03% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1632164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1632765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.45% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1632727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1632854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1638806 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1367561 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1361241 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1632264 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1632913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1632507 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631934 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1632724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.43% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1630336 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1630329 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1631013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| 1631635 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 1631818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1630648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633207 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1636943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1634987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1638961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1639275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 1632330 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| 1631978 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.09% | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1631394 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1638846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1631089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1630913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1631912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632891 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1631981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1632590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 1632484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1633308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1633166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1637147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1632780 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 0.08% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX | -14.73% | XXXX | High | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1628418 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1631004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632832 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1630199 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1346304 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.35

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.35**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 07/21/2025 2:02:09 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1367561 | XXXXX | XXXXX | DSCR |  | 0.850 | Verified |
| 1367561 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1367561 | XXXXX | XXXXX | Lien Position |  | FirstLien | Verified |
| 1367561 | XXXXX | XXXXX | Maturity Date |  | 20520301 | Verified |
| 1367561 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1367561 | XXXXX | XXXXX | Occupancy | NonOwnerOccupied | Investment | Verified |
| 1367561 | XXXXX | XXXXX | Original P&I |  | 5312.50 | Verified |
| 1367561 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1367561 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1367561 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1361241 | XXXXX | XXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1361241 | XXXXX | XXXXX | Doc Type | Full Doc | Asset Depletion | Verified |
| 1361241 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1361241 | XXXXX | XXXXX | Lien Position |  | FirstLien | Verified |
| 1361241 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1361241 | XXXXX | XXXXX | Maturity Date |  | 20620301 | Verified |
| 1361241 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1361241 | XXXXX | XXXXX | Occupancy | NonOwnerOccupied | Investment | Verified |
| 1361241 | XXXXX | XXXXX | Original P&I |  | 5053.07 | Verified |
| 1361241 | XXXXX | XXXXX | Original Term | 40 | 480 | Verified |
| 1361241 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1361241 | XXXXX | XXXXX | Qualifying DTI |  | 0.25635 | Verified |
| 1361241 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1346304 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1346304 | XXXX | XXXX | Lien Position |  | FirstLien | Verified |
| 1346304 | XXXX | XXXX | Maturity Date |  | 20520201 | Verified |
| 1346304 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1346304 | XXXX | XXXX | Original P&I |  | 1956.46 | Verified |
| 1346304 | XXXX | XXXX | Property Type |  | SF | Verified |
| 1346304 | XXXX | XXXX | QM Status | None - Not Covered | Exempt | Verified |
| 1346304 | XXXX | XXXX | Qualifying DTI |  | 0.41079 | Verified |
| 1346304 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1630054 | XXXX | XXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1630054 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630054 | XXXX | XXXX | Original P&I |  | 1681.79 | Verified |
| 1630054 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1630054 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630054 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630054 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1636979 | XXXX | XXXX | DSCR | 1.000 | 1.040 | Verified |
| 1636979 | XXXX | XXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1636979 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1636979 | XXXX | XXXX | Maturity Date |  | 20550401 | Verified |
| 1636979 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1636979 | XXXX | XXXX | Original P&I |  | 1776.36 | Verified |
| 1636979 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1636979 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636979 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1636979 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1636979 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1633857 | XXXXX | XXXXX | Qualifying Credit Score | XXX |  | Verified |
| 1633857 | XXXXX | XXXXX | Original Interest Rate | XXXX | XXXX | Verified |
| 1633857 | XXXXX | XXXXX | Original P&I |  | 768.42 | Verified |
| 1633857 | XXXXX | XXXXX | PITI |  | XXXX | Verified |
| 1633857 | XXXXX | XXXXX | Prepayment Penalty | N | Y | Verified |
| 1633857 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633857 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1633857 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1633855 | XXXXX | XXXXX | Original CLTV | XXXX | XXXX | Verified |
| 1633855 | XXXXX | XXXXX | Original Interest Rate | XXXX | XXXX | Verified |
| 1633855 | XXXXX | XXXXX | Original LTV | XXXX | XXXX | Verified |
| 1633855 | XXXXX | XXXXX | Original P&I |  | 1576.77 | Verified |
| 1633855 | XXXXX | XXXXX | PITI |  | XXXX | Verified |
| 1633855 | XXXXX | XXXXX | Prepayment Penalty | N | Y | Verified |
| 1633855 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633855 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1633855 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1632765 | XXXX | XXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1632765 | XXXX | XXXX | Original P&I |  | 8366.92 | Verified |
| 1632765 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1632765 | XXXX | XXXX | Prepayment Penalty |  | Y | Verified |
| 1632765 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632765 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1632765 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1632854 | XXXX | XXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1632854 | XXXX | XXXX | Original P&I |  | 2401.82 | Verified |
| 1632854 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1632854 | XXXX | XXXX | Prepayment Penalty |  | Y | Verified |
| 1632854 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632854 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1632854 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1632264 | XXXXXX | XXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1632264 | XXXXXX | XXXXXX | Doc Type |  | Full | Verified |
| 1632264 | XXXXXX | XXXXXX | Original P&I |  | 3321.08 | Verified |
| 1632264 | XXXXXX | XXXXXX | PITI |  | XXXX | Verified |
| 1632264 | XXXXXX | XXXXXX | Product Code |  | C30FITIN | Verified |
| 1632264 | XXXXXX | XXXXXX | QM Status |  | Non-QM | Verified |
| 1632264 | XXXXXX | XXXXXX | Qualifying DTI | 38.17000 | 0.42828 | Verified |
| 1632264 | XXXXXX | XXXXXX | Self-Employment Flag |  | N | Verified |
| 1632913 | XXXX | XXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1632913 | XXXX | XXXX | Original P&I |  | 1563.43 | Verified |
| 1632913 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1632913 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1632507 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1632507 | XXXX | XXXX | Original P&I |  | 725.07 | Verified |
| 1632507 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1632507 | XXXX | XXXX | Product Code | DSCR-Inv | DSCR- FN | Verified |
| 1632507 | XXXX | XXXX | Property Type | PUD-Detached | Two Family | Verified |
| 1632507 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1630336 | XXXX | XXXX | DSCR | 1.014 | 1.030 | Verified |
| 1630336 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1630336 | XXXX | XXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1630336 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1630336 | XXXX | XXXX | Original P&I |  | 5044.72 | Verified |
| 1630336 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1630336 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630336 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630336 | XXXX | XXXX | Property Street Address | XXXX | XXXX | Verified |
| 1630336 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1630329 | XXXX | XXXX | Doc Type | Full Doc | Alternative Doc | Verified |
| 1630329 | XXXX | XXXX | Original P&I |  | 4297.24 | Verified |
| 1630329 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1630329 | XXXX | XXXX | Product Code |  | PL12CPA30F | Verified |
| 1630329 | XXXX | XXXX | Property City | XXXX | XXXX | Verified |
| 1630329 | XXXX | XXXX | Property Type | PUD-Detached | Single Family | Verified |
| 1630329 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1630329 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1630329 | XXXX | XXXX | Qualifying DTI | 24.57900 | 0.32657 | Verified |
| 1631013 | XXXX | XXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1631013 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1631013 | XXXX | XXXX | Original P&I |  | 973.52 | Verified |
| 1631013 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1631013 | XXXX | XXXX | Product Code | Full Doc | DSCR- FN | Verified |
| 1631013 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1631635 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1631635 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1631635 | XXXX | XXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1631635 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1631635 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1631635 | XXXX | XXXX | Original P&I |  | 998.03 | Verified |
| 1631635 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1631635 | XXXX | XXXX | Product Code | Full Doc | DSCR- FN | Verified |
| 1631635 | XXXX | XXXX | Property Type | PUD | PUD-Attached | Verified |
| 1631635 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1631635 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1631818 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1631818 | XXXX | XXXX | Original P&I |  | 778.23 | Verified |
| 1631818 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1631818 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1631818 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1631818 | XXXX | XXXX | Product Code |  | DSCR- FN | Verified |
| 1631818 | XXXX | XXXX | Property Type | Condominium | Condo-Mid 5-8 Stories | Verified |
| 1631818 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1630648 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1630648 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1630648 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1630648 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1630648 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1630648 | XXXX | XXXX | Original P&I |  | 1337.10 | Verified |
| 1630648 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1630648 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630648 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630648 | XXXX | XXXX | Product Code | Full Doc | DSCR- FN | Verified |
| 1630648 | XXXX | XXXX | Property Type | PUD | PUD-Attached | Verified |
| 1630648 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1633207 | XXXX | XXXX | DSCR | 1.000 | 1.080 | Verified |
| 1633207 | XXXX | XXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1633207 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1633207 | XXXX | XXXX | Original P&I |  | 1563.79 | Verified |
| 1633207 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1633207 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1633207 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633207 | XXXX | XXXX | Property Type | PUD | PUD-Attached | Verified |
| 1633207 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1633207 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1636943 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1636943 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1636943 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1636943 | XXXX | XXXX | DSCR | 0.979 | 1.010 | Verified |
| 1636943 | XXXX | XXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1636943 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1636943 | XXXX | XXXX | Original P&I |  | 1541.85 | Verified |
| 1636943 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1636943 | XXXX | XXXX | Prepayment Penalty |  | Y | Verified |
| 1636943 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1636943 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1636943 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1634441 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1634441 | XXXX | XXXX | Original P&I |  | 1453.09 | Verified |
| 1634441 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1634441 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1634441 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1634441 | XXXX | XXXX | Product Code | Full Doc | DSCR- FN | Verified |
| 1634441 | XXXX | XXXX | Property Type | PUD | PUD-Attached | Verified |
| 1634441 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1634987 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1634987 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1634987 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1634987 | XXXX | XXXX | Original P&I |  | 2853.60 | Verified |
| 1634987 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1634987 | XXXX | XXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 1634987 | XXXX | XXXX | Property Type | PUD | PUD-Detached | Verified |
| 1634987 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1634989 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1634989 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1634989 | XXXX | XXXX | Original P&I |  | 1357.78 | Verified |
| 1634989 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1634989 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1634989 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1634989 | XXXX | XXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 1634989 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1638961 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1638961 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1638961 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1638961 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1638961 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1638961 | XXXX | XXXX | Original P&I |  | 1776.50 | Verified |
| 1638961 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1638961 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1638961 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1638961 | XXXX | XXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 1638961 | XXXX | XXXX | Property Type | PUD | PUD-Attached | Verified |
| 1638961 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1639275 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1639275 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1639275 | XXXX | XXXX | Original P&I |  | 5099.27 | Verified |
| 1639275 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1639275 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1639275 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1639275 | XXXX | XXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 1639275 | XXXX | XXXX | Property Type | PUD | PUD-Detached | Verified |
| 1639275 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1639275 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1631394 | XXXXXXX | XXXXXXX | Original P&I |  | 2351.81 | Verified |
| 1631394 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1631394 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1631394 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1631394 | XXXXXXX | XXXXXXX | Self-Employment Flag |  | N | Verified |
| 1632914 | XXXXXXX | XXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1632914 | XXXXXXX | XXXXXXX | Note Date | XXXX | XXXX | Verified |
| 1632914 | XXXXXXX | XXXXXXX | Original P&I |  | 1459.35 | Verified |
| 1632914 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1632914 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632914 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1638846 | XXXXXXX | XXXXXXX | Original P&I |  | 2956.18 | Verified |
| 1638846 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1638846 | XXXXXXX | XXXXXXX | Product Code | P&L | Bk St- 12 mos | Verified |
| 1638846 | XXXXXXX | XXXXXXX | Qualifying DTI | 49.76200 | 0.49765 | Verified |
| 1631089 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1631089 | XXXXX | XXXXX | Original P&I |  | 3772.23 | Verified |
| 1631089 | XXXXX | XXXXX | PITI |  | XXXX | Verified |
| 1631089 | XXXXX | XXXXX | Prepayment Penalty | N | Y | Verified |
| 1631089 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1631089 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1631089 | XXXXX | XXXXX | Self-Employment Flag | Y | N | Verified |
| 1632178 | XXXXXXX | XXXXXXX | Original P&I |  | 2018.46 | Verified |
| 1632178 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1632178 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632178 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1630913 | XXXXXXX | XXXXXXX | DSCR | 1.250 | 1.450 | Verified |
| 1630913 | XXXXXXX | XXXXXXX | Note Date | XXXX | XXXX | Verified |
| 1630913 | XXXXXXX | XXXXXXX | Original P&I |  | 1662.80 | Verified |
| 1630913 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1630913 | XXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1630913 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630913 | XXXXXXX | XXXXXXX | Property Type | Single Family | Three Family | Verified |
| 1630913 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1630913 | XXXXXXX | XXXXXXX | Self-Employment Flag |  | N | Verified |
| 1633162 | XXXXXXX | XXXXXXX | Original P&I |  | 2766.54 | Verified |
| 1633162 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1633162 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633162 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1631912 | XXXXXXX | XXXXXXX | Original Amortization Term | Fixed | 360 | Verified |
| 1631912 | XXXXXXX | XXXXXXX | Original P&I |  | 4042.31 | Verified |
| 1631912 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1631912 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1631912 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1632891 | XXXXXXX | XXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1632891 | XXXXXXX | XXXXXXX | DSCR | 1.100 | 1.190 | Verified |
| 1632891 | XXXXXXX | XXXXXXX | Note Date | XXXX | XXXX | Verified |
| 1632891 | XXXXXXX | XXXXXXX | Original P&I |  | 3368.59 | Verified |
| 1632891 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1632891 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1632891 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632891 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1632891 | XXXXXXX | XXXXXXX | Self-Employment Flag |  | N | Verified |
| 1631981 | XXXXXXX | XXXXXXX | Original P&I |  | 3266.47 | Verified |
| 1631981 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1631981 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1631981 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1632590 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1632590 | XXXX | XXXX | Original CLTV |  | XXXX | Verified |
| 1632590 | XXXX | XXXX | DSCR |  | 1.410 | Verified |
| 1632590 | XXXX | XXXX | Doc Type | Full | Debt Service Coverage | Verified |
| 1632590 | XXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1632590 | XXXX | XXXX | Original LTV |  | XXXX | Verified |
| 1632590 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1632590 | XXXX | XXXX | Occupancy | Primary | Investment | Verified |
| 1632590 | XXXX | XXXX | Original P&I |  | 1294.25 | Verified |
| 1632590 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1632590 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1632590 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632590 | XXXX | XXXX | Product Code |  | DSCR-Inv | Verified |
| 1632590 | XXXX | XXXX | Property Type | Single Family | Condo-Mid 5-8 Stories | Verified |
| 1632590 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1632590 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1633308 | XXXXXXX | XXXXXXX | DSCR | 0.750 | 1.060 | Verified |
| 1633308 | XXXXXXX | XXXXXXX | Loan Purpose | Investment | Purchase | Verified |
| 1633308 | XXXXXXX | XXXXXXX | Note Date | XXXX | XXXX | Verified |
| 1633308 | XXXXXXX | XXXXXXX | Original P&I |  | 2660.49 | Verified |
| 1633308 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1633308 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1633308 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633308 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1633308 | XXXXXXX | XXXXXXX | Self-Employment Flag |  | N | Verified |
| 1633166 | XXXXXXX | XXXXXXX | Original P&I |  | 1394.93 | Verified |
| 1633166 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1633166 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1633166 | XXXXXXX | XXXXXXX | Self-Employment Flag |  | N | Verified |
| 1637147 | XXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 1637147 | XXXXXXX | XXXXXXX | Original P&I |  | 2017.54 | Verified |
| 1637147 | XXXXXXX | XXXXXXX | PITI |  | XXXX | Verified |
| 1637147 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1637147 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1628418 | XXXX | XXXX | Original Amortization Term |  | 360 | Verified |
| 1628418 | XXXX | XXXX | Appraised Value |  | XXXX | Verified |
| 1628418 | XXXX | XXXX | Original CLTV |  | XXXX | Verified |
| 1628418 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1628418 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1628418 | XXXX | XXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1628418 | XXXX | XXXX | Maturity Date |  | 20541201 | Verified |
| 1628418 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1628418 | XXXX | XXXX | Original P&I |  | 1332.53 | Verified |
| 1628418 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1628418 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1628418 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1628418 | XXXX | XXXX | Product Code |  | DSCR-Inv | Verified |
| 1628418 | XXXX | XXXX | Property City |  | XXXX | Verified |
| 1628418 | XXXX | XXXX | Property Type | Condominium | Condo-Lo 1-4 Stories | Verified |
| 1628418 | XXXX | XXXX | Property Zip |  | XXXX | Verified |
| 1628418 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1628418 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1631004 | XXXXX | XXXXX | Original P&I |  | 1116.41 | Verified |
| 1631004 | XXXXX | XXXXX | PITI |  | XXXX | Verified |
| 1631004 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1631004 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1630199 | XXXX | XXXX | Original Amortization Term | 30 | 360 | Verified |
| 1630199 | XXXX | XXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 1630199 | XXXX | XXXX | Index Type | 0 |  | Verified |
| 1630199 | XXXX | XXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1630199 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1630199 | XXXX | XXXX | Original P&I |  | 733.76 | Verified |
| 1630199 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1630199 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630199 | XXXX | XXXX | Product Code | CSC30F3Y5%PP | DSCR-Inv | Verified |
| 1630199 | XXXX | XXXX | Property Type | Condominium | Condo-Lo 1-4 Stories | Verified |
| 1630199 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1630853 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1630853 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1630853 | XXXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1630853 | XXXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1630853 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1630853 | XXXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1630853 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1630853 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1630853 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630853 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630853 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630853 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1630853 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1630853 | XXXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1630853 | XXXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1630853 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1630853 | XXXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1630853 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1630853 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1630853 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630853 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630853 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630853 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1630853 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1630853 | XXXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1630853 | XXXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1630853 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1630853 | XXXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1630853 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1630853 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1630853 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630853 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630853 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630853 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1630853 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1630853 | XXXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1630853 | XXXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1630853 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1630853 | XXXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1630853 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1630853 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1630853 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630853 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630853 | XXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630853 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1630853 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630853 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630708 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1630708 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1630708 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1630708 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1630708 | XXXXX | XXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1630708 | XXXXX | XXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 1630708 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1630708 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1630499 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1630499 | XXXXX | XXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1630499 | XXXXX | XXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1630499 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1630499 | XXXXX | XXXXX | Maturity Date |  | 20550201 | Verified |
| 1630499 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1630499 | XXXXX | XXXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 1630499 | XXXXX | XXXXX | Sales Price | XXXX | XXXX | Verified |
| 1630499 | XXXXX | XXXXX | QM Status |  | Non-QM | Verified |
| 1630499 | XXXXX | XXXXX | Qualifying DTI | 15.08000 | 0.15254 | Verified |
| 1632203 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1632203 | XXXXX | XXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1632203 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1632203 | XXXXX | XXXXX | Maturity Date |  | 20550201 | Verified |
| 1632203 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1632203 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1632203 | XXXXX | XXXXX | Sales Price | XXXX | XXXX | Verified |
| 1632203 | XXXXX | XXXXX | QM Status |  | Non-QM | Verified |
| 1632203 | XXXXX | XXXXX | Qualifying DTI | 48.28000 | 0.27760 | Verified |
| 1630704 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1630704 | XXXXX | XXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1630704 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1630704 | XXXXX | XXXXX | Maturity Date |  | 20550201 | Verified |
| 1630704 | XXXXX | XXXXX | Original Loan Amount | XXXX | XXXX | Verified |
| 1630704 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1630704 | XXXXX | XXXXX | Original P&I | 3170.12 | 3169.41 | Verified |
| 1630704 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1630704 | XXXXX | XXXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 1630704 | XXXXX | XXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 1630704 | XXXXX | XXXXX | Sales Price | XXXX |  | Verified |
| 1630704 | XXXXX | XXXXX | QM Status |  | Non-QM | Verified |
| 1630704 | XXXXX | XXXXX | Qualifying DTI | 49.55000 | 0.47492 | Verified |
| 1631926 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1631926 | XXXXX | XXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1631926 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1631926 | XXXXX | XXXXX | Maturity Date |  | 20550201 | Verified |
| 1631926 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1631926 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1631926 | XXXXX | XXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 1631926 | XXXXX | XXXXX | Sales Price | XXXX |  | Verified |
| 1631926 | XXXXX | XXXXX | QM Status |  | Non-QM | Verified |
| 1631926 | XXXXX | XXXXX | Qualifying DTI | 40.01000 | 0.40269 | Verified |
| 1632162 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1632162 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1632162 | XXXXX | XXXXX | Maturity Date |  | 20550301 | Verified |
| 1632162 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1632162 | XXXXX | XXXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 1632162 | XXXXX | XXXXX | QM Status |  | Non-QM | Verified |
| 1631987 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1631987 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1631987 | XXXXX | XXXXX | Maturity Date |  | 20550201 | Verified |
| 1631987 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1631987 | XXXXX | XXXXX | Prepayment Penalty | N | Y | Verified |
| 1631987 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1631987 | XXXXX | XXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 1631987 | XXXXX | XXXXX | Property Type | Single Family | Four Family | Verified |
| 1631987 | XXXXX | XXXXX | Sales Price | XXXX |  | Verified |
| 1631987 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1629860 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1629860 | XXXXX | XXXXX | DSCR | 0.965 | 1.010 | Verified |
| 1629860 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1629860 | XXXXX | XXXXX | Maturity Date |  | 20550101 | Verified |
| 1629860 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1629860 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1629860 | XXXXX | XXXXX | Sales Price | XXXX |  | Verified |
| 1629860 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1631094 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1631094 | XXXXX | XXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1631094 | XXXXX | XXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1631094 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1631094 | XXXXX | XXXXX | Maturity Date |  | 20550201 | Verified |
| 1631094 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1631094 | XXXXX | XXXXX | Sales Price | XXXX |  | Verified |
| 1631094 | XXXXX | XXXXX | QM Status |  | Non-QM | Verified |
| 1631094 | XXXXX | XXXXX | Qualifying DTI | 38.50000 | 0.45355 | Verified |
| 1631094 | XXXXX | XXXXX | Self-Employment Flag | N | Y | Verified |
| 1630916 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1630916 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1630916 | XXXXX | XXXXX | Maturity Date |  | 20550101 | Verified |
| 1630916 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1630916 | XXXXX | XXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1630916 | XXXXX | XXXXX | Product Code | AC30YrFx | DSCR- FN | Verified |
| 1630916 | XXXXX | XXXXX | Property Street Address | XXXX | XXXX | Verified |
| 1630916 | XXXXX | XXXXX | Sales Price | XXXX | XXXX | Verified |
| 1630916 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1629301 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1629301 | XXXXX | XXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1629301 | XXXXX | XXXXX | Original CLTV | XXXX | XXXX | Verified |
| 1629301 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1629301 | XXXXX | XXXXX | Original LTV | XXXX | XXXX | Verified |
| 1629301 | XXXXX | XXXXX | Maturity Date |  | 20550101 | Verified |
| 1629301 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1629301 | XXXXX | XXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1629301 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1630012 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1630012 | XXXXX | XXXXX | Original CLTV | XXXX | XXXX | Verified |
| 1630012 | XXXXX | XXXXX | DSCR | 1.062 | 1.010 | Verified |
| 1630012 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1630012 | XXXXX | XXXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1630012 | XXXXX | XXXXX | Original LTV | XXXX | XXXX | Verified |
| 1630012 | XXXXX | XXXXX | Maturity Date |  | 20550101 | Verified |
| 1630012 | XXXXX | XXXXX | Original Loan Amount | XXXX | XXXX | Verified |
| 1630012 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1630012 | XXXXX | XXXXX | Original P&I | 12126.93 | 12935.47 | Verified |
| 1630012 | XXXXX | XXXXX | PITI | XXXXX | XXXXX | Verified |
| 1630012 | XXXXX | XXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1630012 | XXXXX | XXXXX | Sales Price | XXXX |  | Verified |
| 1630012 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1632164 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1632164 | XXXXX | XXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1632164 | XXXXX | XXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1632164 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1632164 | XXXXX | XXXXX | Maturity Date |  | 20550301 | Verified |
| 1632164 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1632164 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1632164 | XXXXX | XXXXX | Sales Price | XXXX | XXXX | Verified |
| 1632164 | XXXXX | XXXXX | QM Status |  | Non-QM | Verified |
| 1632164 | XXXXX | XXXXX | Qualifying DTI | 11.32000 | 0.11826 | Verified |
| 1632240 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1632240 | XXXXX | XXXX | Doc Type | 12 Mo PL Statement CPA | Alternative Doc | Verified |
| 1632240 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1632240 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1632240 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1632240 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1632240 | XXXXX | XXXX | Product Code | AC30YrFx | PL12CPA30F | Verified |
| 1632240 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1632240 | XXXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1632240 | XXXXX | XXXX | Qualifying DTI | 35.72000 | 0.35721 | Verified |
| 1631100 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1631100 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1631100 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1631100 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1631100 | XXXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1631100 | XXXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1631100 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1631100 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1632727 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1632727 | XXXXX | XXXX | DSCR | 1.574 | 1.630 | Verified |
| 1632727 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1632727 | XXXXX | XXXX | Maturity Date |  | 20550301 | Verified |
| 1632727 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1632727 | XXXXX | XXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1632727 | XXXXX | XXXX | Property Type | Single Family | Two Family | Verified |
| 1632727 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1632727 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1638806 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1638806 | XXXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1638806 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1638806 | XXXXX | XXXX | Maturity Date |  | 20550501 | Verified |
| 1638806 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1638806 | XXXXX | XXXX | Original P&I | 2005.95 | 2724.16 | Verified |
| 1638806 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1638806 | XXXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1638806 | XXXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1638806 | XXXXX | XXXX | Qualifying DTI | 15.48000 | 0.24223 | Verified |
| 1631934 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1631934 | XXXXX | XXXX | DSCR | 1.451 | 1.570 | Verified |
| 1631934 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1631934 | XXXXX | XXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1631934 | XXXXX | XXXX | Loan Purpose | Refinance (Full Doc.) Cash Out | Refinance (Refi) No - Limited Cash Out | Verified |
| 1631934 | XXXXX | XXXX | Maturity Date |  | 20550201 | Verified |
| 1631934 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1631934 | XXXXX | XXXX | Original P&I | 1036.02 | 919.98 | Verified |
| 1631934 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1631934 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1632724 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1632724 | XXXXX | XXXX | DSCR | 1.632 | 1.760 | Verified |
| 1632724 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1632724 | XXXXX | XXXX | Maturity Date |  | 20550301 | Verified |
| 1632724 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1632724 | XXXXX | XXXX | Property Type | Single Family | Four Family | Verified |
| 1632724 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1632724 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1632330 | XXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632330 | XXXXX | XXXXXXX | Doc Type | 24 Mo. Bank Statements | Bank Statement | Verified |
| 1632330 | XXXXX | XXXXXXX | First Payment Date |  | XXXX | Verified |
| 1632330 | XXXXX | XXXXXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 1632330 | XXXXX | XXXXXXX | Maturity Date |  | 20550301 | Verified |
| 1632330 | XXXXX | XXXXXXX | Note Date |  | XXXX | Verified |
| 1632330 | XXXXX | XXXXXXX | PITI | XXXXX | XXXXX | Verified |
| 1632330 | XXXXX | XXXXXXX | Sales Price | XXXX |  | Verified |
| 1632330 | XXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 1632330 | XXXXX | XXXXXXX | Qualifying DTI | 18.07000 | 0.16877 | Verified |
| 1631978 | XXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1631978 | XXXXX | XXXXXXX | DSCR | 2.176 | 2.970 | Verified |
| 1631978 | XXXXX | XXXXXXX | First Payment Date |  | XXXX | Verified |
| 1631978 | XXXXX | XXXXXXX | Maturity Date |  | 20550201 | Verified |
| 1631978 | XXXXX | XXXXXXX | Note Date |  | XXXX | Verified |
| 1631978 | XXXXX | XXXXXXX | PITI | XXXX | XXXX | Verified |
| 1631978 | XXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 1631978 | XXXXX | XXXXXXX | Sales Price | XXXX |  | Verified |
| 1631978 | XXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1631978 | XXXXX | XXXXXXX | Self-Employment Flag | Y | N | Verified |
| 1631877 | XXXXX | XXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1631877 | XXXXX | XXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1631877 | XXXXX | XXXXXXXX | Maturity Date |  | 20550201 | Verified |
| 1631877 | XXXXX | XXXXXXXX | Note Date |  | XXXX | Verified |
| 1631877 | XXXXX | XXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1631877 | XXXXX | XXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1631877 | XXXXX | XXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 1631877 | XXXXX | XXXXXXXX | Property Type | Townhouse | Single Family | Verified |
| 1631877 | XXXXX | XXXXXXXX | Sales Price | XXXX | XXXX | Verified |
| 1631877 | XXXXX | XXXXXXXX | QM Status |  | Exempt | Verified |
| 1632595 | XXXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1632595 | XXXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1632595 | XXXXX | XXXX | Maturity Date |  | 20550301 | Verified |
| 1632595 | XXXXX | XXXX | Note Date |  | XXXX | Verified |
| 1632595 | XXXXX | XXXX | Original P&I | 1380.88 | 1361.18 | Verified |
| 1632595 | XXXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1632595 | XXXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1632595 | XXXXX | XXXX | QM Status |  | Exempt | Verified |
| 1632484 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1632484 | XXXXX | XXXXX | Doc Type | Full | Bank Statement | Verified |
| 1632484 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1632484 | XXXXX | XXXXX | Maturity Date |  | 20550201 | Verified |
| 1632484 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1632484 | XXXXX | XXXXX | PITI | XXXX | XXXX | Verified |
| 1632484 | XXXXX | XXXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 1632484 | XXXXX | XXXXX | Sales Price | XXXX | XXXX | Verified |
| 1632484 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |
| 1632484 | XXXXX | XXXXX | Qualifying DTI | 49.71000 | 0.49724 | Verified |
| 1632780 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1632780 | XXXXX | XXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1632780 | XXXXX | XXXXX | Original CLTV | XXXX | XXXX | Verified |
| 1632780 | XXXXX | XXXXX | Doc Type | 12 Mo PL Statement CPA | Alternative Doc | Verified |
| 1632780 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1632780 | XXXXX | XXXXX | Original LTV | XXXX | XXXX | Verified |
| 1632780 | XXXXX | XXXXX | Maturity Date |  | 20550301 | Verified |
| 1632780 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1632780 | XXXXX | XXXXX | PITI | XXXXX | XXXXX | Verified |
| 1632780 | XXXXX | XXXXX | Sales Price | XXXX |  | Verified |
| 1632780 | XXXXX | XXXXX | QM Status |  | Non-QM | Verified |
| 1632780 | XXXXX | XXXXX | Qualifying DTI | 40.04000 | 0.46511 | Verified |
| 1632832 | XXXXX | XXXXX | Amortization Type |  | Fixed | Verified |
| 1632832 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1632832 | XXXXX | XXXXX | Maturity Date |  | 20550301 | Verified |
| 1632832 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1632832 | XXXXX | XXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 1632832 | XXXXX | XXXXX | Sales Price | XXXX |  | Verified |
| 1632832 | XXXXX | XXXXX | QM Status |  | Exempt | Verified |

---

## Exhibit 99.36

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.36**

![](evolve-logo.jpg)

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 07/21/2025 2:02:09 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1630054 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1636979 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1630853 | XXXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1630708 | XXXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1630499 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/18/2024 | 9.143% | Self-Employed |  | US Citizen |  |  |  | Yes | $85259.51 |
| 1632203 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $12294.20 | 01/21/2025 | 10.06% | Self-Employed |  | US Citizen |  |  |  | Yes | $10539.98 |
| 1630704 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/24/2024 | 8.156% | Self-Employed |  | US Citizen |  |  |  | Yes | $4618.50 |
| 1631926 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/21/2025 | 7.679% | Self-Employed |  | US Citizen |  |  |  | Yes | $8298.19 |
| 1632162 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/17/2025 | 8.035% | Self-Employed |  | US Citizen |  |  |  | Yes | $61336.38 |
| 1631987 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1629860 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633857 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1631094 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $18282.60 | 12/26/2024 | 7.326% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $6947.15 |
| 1630916 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1633855 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1629301 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1630012 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632164 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $3050.00 | 01/24/2025 | 9.715% | Self-Employed |  | US Citizen |  |  |  | Yes | $14594.54 |
| 1632240 | XXXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6657.00 | 01/09/2025 | 8.08% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $2843.20 |
| 1632765 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1631100 | XXXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632727 | XXXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632854 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | No |  |
| 1638806 | XXXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12808.88 | 04/10/2025 | 8.145% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $11366.51 |
| 1367561 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  | 12/16/2021 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1361241 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Unemployed | US Citizen |  | US Citizen |  | No |  |
| 1632264 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/17/2024 | 9.469% | Employed | Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $5760.09 |
| 1632913 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 01/21/2025 | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1632507 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1631934 | XXXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1632724 | XXXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1630336 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1630329 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19993.80 | 12/13/2024 | 8.669% | Self-Employed |  | US Citizen |  |  |  | Yes | $12673.69 |
| 1631013 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1631635 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National | ITIN IRS Letter | No |  |
| 1631818 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1630648 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1633207 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 02/03/2025 | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1636943 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 03/05/2025 | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1634441 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1634987 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1634989 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1638961 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1639275 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1632330 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $21563.50 | 01/13/2025 | 10.192% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $55070.96 |
| 1631978 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1631877 | XXXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1631394 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1632595 | XXXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien | Other |  |  | No |  |
| 1632914 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1638846 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $7915.00 | 04/07/2025 | 7.122% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | Yes | $4179.89 |
| 1631089 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632178 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1630913 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Non Permanent Resident Alien | Other | Non Permanent Resident Alien | Other | No |  |
| 1633162 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1631912 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632891 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1631981 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1632590 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 12/31/2024 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632484 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5435.74 |
| 1633308 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633166 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1637147 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1632780 | XXXXX | XXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/28/2025 | 9.445% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $46545.46 |
| 1628418 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1631004 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1632832 | XXXXX | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1630199 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 11/22/2024 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1346304 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |

---

## Exhibit 99.37

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.37**

![](evolve-logo.jpg)

---

| |
|:---|
| **Business Purpose Data** |
| **Run Date - 07/21/2025 2:02:09 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **EIN Number** |
| 1630853 | XXXXX | XXXX |  | XXXX | XXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | No | $0.00 | $5000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 5000 | 1.25 | 1.25 | $3987.95 |  |  |  | Yes | $35000.00 |  | YES | $555.00 | $733.76 | $38.00 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 34 | 5 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | 20241205 | XXXX | $XXXX | 1 | XXXX | XXXX | 0 | 1 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  |
| 1631987 | XXXXX | XXXXX |  | XXXX | XXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | Yes | $4800.00 | $4800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4800 | 1.86 | 1.86 | $2585.08 | 20250601 | 24 | No | Yes | $0.00 | Yes | NO | $0.00 | $1157.38 | $268.00 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 60 | 3 | US Citizen |  | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 781 | 763 | 779 |  |  |  |  |  |  |  |  | Not Required |  | 20241227 |  | $XXXX | 4 | XXXX | XXXX | 5 | 4 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1633857 | XXXXX | XXXXX |  | XXXX | XXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.59 | 1.59 | $1135.25 |  |  |  | Yes | $15000.00 |  | NO | $0.00 | $254.33 | $112.50 | Stated, Verified | NO | 1 | 2 |  | Yes | Yes | Inexperienced | 4 | 2 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | 20241215 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1630916 | XXXXX | XXXXX |  | XXXX | XXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | Yes | $2525.00 | $3500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2475 | 1.22 | 1.22 | $2035.70 | 20250228 | 12 | No | Yes | $57024.00 |  | NO | $0.00 | $563.17 | $239.67 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Inexperienced | 45 | 9 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | 20241212 | XXXX | $XXXX | 4 | XXXX | XXXX | 5 | 4 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Partnership | XXXX | FALSE | XXXX |
| 1633855 | XXXXX | XXXXX |  | XXXX | XXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2450 | 1.01 | 1.01 | $2417.10 |  |  |  | Yes | $39300.00 |  | YES | $10.00 | $634.50 | $195.83 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 3603 | 2 | Non Permanent Resident Alien |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | 20240815 | XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1629301 | XXXXX | XXXXX |  | XXXX | XXXX | AC30YrFx Citadel Non Conforming 30 | XXXX | Debt Service Coverage | Yes | Yes | $4800.00 | $4800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3835 | 1.4 | 1.4 | $2747.24 | 20241130 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $506.66 | $247.33 | Stated, Verified | NO | 1 | 2 |  | Yes | Yes | Experienced | 48 | 1 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | 20241114 |  | $XXXX | 4 | XXXX | XXXX | 8 | 4.4 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1630012 | XXXXX | XXXXX |  | XXXX | XXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | Yes | $17000.00 | $17000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 17000 | 1.01 | 1.01 | $16857.33 | 20251031 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $3662.19 | $259.67 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 5 | 47 | US Citizen |  | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 804 | 797 | 782 |  |  |  |  |  |  |  |  | Not Required |  | 20241022 |  | $XXXX | 1 | XXXX | XXXX | 5 | 5.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1367561 | XXXXX | XXXXX |  | XXXX | XXXX | Spectrum No Ratio 30 Yr Fixed IO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $9000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 9000 | 0.85 | 0.85 | $10589.08 |  |  |  | Yes | $94400.00 |  | NO | $0.00 | $4180.50 | $1096.08 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 261 | 5 | US Citizen |  | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20211201 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | FALSE |  |
| 1631934 | XXXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1850 | 1.57 | 1.57 | $1174.64 |  |  |  | Yes | $19800.00 |  | NO | $0.00 | $116.32 | $138.34 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 24 | 1 | US Citizen | US Citizen | 747 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 736 | 749 | 747 | XXXX | XXXXX |  | US Citizen | Stated, Verified | 661 | 666 | 680 | Not Required | Not Required | 20240906 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Corporation | XXXX | FALSE | XXXX |
| 1630336 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $6600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6600 | 1.03 | 1.03 | $6410.76 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $1196.96 | $169.08 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 30 | 5.5 | US Citizen |  | 690 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 688 | 690 | 699 |  |  |  |  |  |  |  |  | Not Required |  | 20241112 |  | $XXXX | 1 | XXXX | XXXX | 6 | 3.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  |
| 1631013 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 1.28 | 1.28 | $1639.92 |  |  |  | Yes | $23500.00 |  | YES | $183.41 | $374.78 | $108.21 | Stated, Verified | NO | 2 | 3 |  | Yes | Yes | Inexperienced | 40 | 3.3 | Non Permanent Resident Alien | Non Permanent Resident Alien | 700 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | 20241127 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  |
| 1631635 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 1.26 | 1.26 | $1664.43 |  |  |  | Yes | $23500.00 |  | YES | $183.41 | $374.78 | $108.21 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Inexperienced | 39 | 7.3 | Non Permanent Resident Alien | Non Permanent Resident Alien | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | 20241120 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1630648 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2860.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2860 | 1.37 | 1.37 | $2086.34 |  |  |  | Yes | $22700.00 |  | YES | $250.00 | $414.82 | $84.42 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 0 | 2 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | 20241126 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  |
| 1633207 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1.08 | 1.08 | $2307.65 |  |  |  | Yes | $30300.00 |  | YES | $65.00 | $497.12 | $181.74 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Inexperienced | 573 | 2 | Non Permanent Resident Alien |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | 20250110 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  |
| 1634441 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | FNMA 1007/216 | No | 1007/216 | 5200 |  |  | 5200 | 1.75 | 1.75 | $2968.33 |  |  |  | Yes | $39000.00 |  | YES | $764.00 | $614.83 | $136.41 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Inexperienced | 26 | 20 | Non Permanent Resident Alien |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | 20250123 | XXXX | $XXXX | 1 | XXXX | XXXX | 5 | 4.1 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1634987 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3500 | 0.9 | 0.9 | $3884.53 |  |  |  | Yes | $45000.00 |  | YES | $165.75 | $741.13 | $124.05 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 47 | 4.5 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | 20250130 | XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1638961 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $0.00 | FNMA 1007/216 | FNMA 1007/216 | No | 1007/216 | 3000 |  |  | 3000 | 1.16 | 1.16 | $2590.24 |  |  |  | Yes | $32200.00 |  | YES | $136.67 | $569.59 | $107.48 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 1 | 5 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | 20250226 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1631089 | XXXXX | XXXXX |  | XXXX | XXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $4200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4200 | 0.87 | 0.87 | $4847.06 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $942.33 | $132.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 4 | 0.2 | US Citizen |  | 685 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 685 | 686 | 681 |  |  |  |  |  |  |  |  | Not Required |  | 20241216 | XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 3.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |
| 1628418 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | Yes | $2450.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.09 | 1.09 | $2020.19 | 20251031 | 12 | No | Yes | $13000.00 |  | YES | $350.00 | $215.93 | $121.73 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 85 | 2 | US Citizen |  | 730 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXX |  | US Citizen | Stated, Verified | 742 | 730 | 727 |  |  |  |  |  |  |  |  | Not Required |  | 20240814 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  |
| 1632832 | XXXXX | XXXXX |  | XXXX | XXXX | AC30YrFx Citadel Non Conforming 30 | XXXX | Debt Service Coverage | Yes | Yes | $2800.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.02 | 1.02 | $2358.14 | 20240801 | 12 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $677.30 | $217.17 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 13 | 2 | US Citizen |  | 758 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 710 | 758 | 775 |  |  |  |  |  |  |  |  | Not Required | Not Required | 20250115 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE | XXXX |

---

## Exhibit 99.38

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.38**

![](ex9938001.jpg)

![](ex9938002.jpg)

**EXECUTIVE SUMMARY**

**MFA 2025-NQM3**

**July 21, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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![](ex9938001.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2 |
| Description of the due diligence performed | 3 |
| Summary of findings and conclusions of review | 16 |
| Tape Integrity Review Results Summary | 16 |
| Additional Loan Population Summary | 16 |

---

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![](ex9938001.jpg)

**INFINITY BIOGRAPHY**

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

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

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

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![](ex9938001.jpg)

**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

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

The Review population is comprised of three (3) mortgage loans that were originally reviewed from November 2021 to September 2023.

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

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

■ "Compliance
 Review" 1<sup>1</sup>Mortgage Loan

■ "Credit
 Review" 3
 Mortgage Loans

■ "Property
 Review" 3
 Mortgage Loans

■ "Data
 Integrity" 3
 Mortgage Loans

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

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

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

For three (3) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

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

---

1 Two (2) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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![](ex9938001.jpg)

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

Infinity conducted a credit review for three (3) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 3 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower,

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![](ex9938001.jpg)

property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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

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

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

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

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

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

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**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for two (2) mortgage loan with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for three (3) mortgage loans. For these three (3) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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

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

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

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

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

Infinity completed a Compliance Review on one (1) mortgage loan. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the

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mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and

(iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such** 

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**authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
 contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right
 of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
 disclosures;

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

14 \| P a g e

![](ex9938001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
 Disclosures; and

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

15 \| P a g e

![](ex9938001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY (3 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers three (3) mortgage loans. Within those mortgage loans, Infinity graded three (3) mortgage loan as "A".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (3 MORTGAGE LOANS)**

Of the three (3) mortgage loans reviewed, 1 (33.33%) mortgage loan had tape discrepancies across one (1) unique data field.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Sales Price (HUD-1 Line 101) | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (3 MORTGAGE LOANS)**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2881650.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2881650.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

![](ex9938001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2881650.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2881650.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1871250.00 | &nbsp;&nbsp;64.94% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$1010400.00 | &nbsp;&nbsp;35.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2881650.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2881650.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2881650.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$1010400.00 | &nbsp;&nbsp;35.06% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1871250.00 | &nbsp;&nbsp;64.94% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2881650.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Acra Rate Matrix, Non Prime, 2021 08 06.pdf |
| &nbsp;&nbsp;EC Guidelines SELECT NQM V5.1.pdf |
| &nbsp;&nbsp;NQM Underwriting Guidelines, 2021 05 01.pdf |

---

17 \| P a g e

## Exhibit 99.39

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.39**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| xx | xx | 60585 | xx | California | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| xx | xx | 73784 | xx | Nevada | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 60621 | xx | California | xx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |

---

## Exhibit 99.40

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.40**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **GSE Eligble Flag** | **DU/LP Approval** | **CDFI Flag** | **Is CEMA (Yes/No)** | **Application Date** | **Guideline Name** | **TILA Status** | **MERS MIN Number** | **Qualifying FICO** | **Verification Safe Harbor Flag** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Default Interest Rate Flag** | **Default Interest Rate** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **BK Discharge date** | **Bk Chapter** | **Foreclosure Date** | **Short Sale Date** | **Deed In Lieu Date** | **Months of Reserves for Subject Property** | **Project Classification: Warrantable/Non-Warrantable** | **Appraiser Name** | **Appraiser's License Number** | **Appraisal Company** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Borrower Documentation Used to Determine Legal Residency** | **Co-Borrower Documentation Used to Determine Legal Residency** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Underwriting Program** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **WVOE Flag (Borr)** | **# of Months of Income validated WVOE (Borr)** | **WVOE Form** | **WVOE Flag (Co-Borr)** | **# of Months of Income validated WVOE (Co-Borr)** | **WVOE Form (Co-Borr)** | **Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Co-Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Borr Years of Business Tax Returns/Transcripts** | **Co-Borr Years of Business Tax Returns/Transcripts** | **Bank Statement Flag (Borr)** | **# of months Personal Bank statements (Borr)** | **# of months Business Bank statements (Borr)** | **Bank Statement Flag (Co-Borr)** | **# of months Personal Bank statements (Co-Borr)** | **# of months Business Bank statements (Co-Borr)** | **P&L Flag (Borr)** | **# of Months P&L (Borr)** | **Who Prepared the P&L** | **CPA Letter Flag (Borr)** | **# of Months CPA verified income (Borr)** | **P&L Flag (Co-Borr)** | **Who Prepared the P&L** | **# of Months P&L (Co-Borr)** | **CPA Letter Flag (Co-Borr)** | **# of Months CPA verified income (Co-Borr)** | **Asset Depletion Flag (DTI)** | **Partial Asset Depletion Flag (DTI)** | **Asset Depletion months amortized** | **Asset Utilzation Flag (No DTI)** | **Bespoke Eligible Assets** | **Income Doc Summary** | **Calculated Front End Housing Ratio** | **Calculated Debt-to-Income Ratio** | **DSCR Flag** | **Number of Rental Units** | **Market Rent** | **Market Rent Source** | **Lease in Place** | **Actual in Place Rent** | **DSCR Calc based on Short Term Rental Income Flag** | **DSCR Calculation Method (at Orig)** | **Rental Income Used for DSCR** | **PITIA for DSCR** | **DSCR (at Origination)** | **Borrower Type** | **Loan closed in the name of an entity flag** | **Borrower Entity Name** | **Personal Guaranty Flag** | **Personal Guaranty Recourse to the Borrower Level** | **Guarantor Designation** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** |
| xx | xx | 60585 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 812 | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 273 | Not Applicable | xx | xx | xx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 0.9291 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 60621 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Non-QM/Compliant | xx | 760 | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 43 | Not Applicable | xx | xx | xx | US Citizen | US Citizen | Not Applicable | Not Applicable | Employed | Employed | 12 Mo Bank Statement | 2+ Years | Not Verified | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary], W2, Pay Stub; B2: Bank Statement [Primary] | 49.04% | 49.99% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | xx | 73784 |  | No | Not Applicable | Not Applicable | Not Applicable | xx | xx | Not Covered/Exempt | xx | 714 | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 111 | Not Applicable | xx | xx | xx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xx | Form 1007 | No | Not Applicable | No | Form 1007 | xx | xx | 0.43079 | Limited Liability Corporation | Yes | xx | Yes | Full Recourse | US Citizen | xx | xx | Not Applicable | Not Applicable |

---

## Exhibit 99.41

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.41**

**Data Compare**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** |
| xx | xx | 60585 |  | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  | Loan is refinance. | Initial |

---

## Exhibit 99.42

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.42**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| xx | xx | 60585 |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | MO4LETL5HYM-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide CDA or simliar document as provided AVM reflects confidence score as 0.16 which is greater than 0.10.Additional valuation product not found in file, additional product will be ordered to validate appraised value."<br>02/25/2022 - Received CDA as additional valuation & condition resolved. | 02/25/2022 - Received CDA as additional valuation & condition resolved. | 02/25/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 07/10/2025 | 07/10/2025 | 07/10/2025 | 12/07/2021 |
| xx | xx | 60621 |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | ZJUG30X3BMS-2WLSVBDU | Resolved | 3 | R | \* ComplianceEase Risk Indicator is "Elevated" (Lvl R) | Finance charge on PCCD is under-disclosed by $225 .The PCCD reflects a finance charge of $XXXX,while the compliance finance charge is $XXXX.The $225 exceeds the acceptable tolerance of $100.<br>Resolved 2/24/2022 : Received PCCD and updated, hence conditions cleared. | Resolved 2/24/2022 : Received PCCD and updated, hence conditions cleared. | Resolved 2/24/2022 : Received PCCD and updated, hence conditions cleared. |  |  | QC Complete | 11/30/2021 | 02/24/2022 | 02/24/2022 | 11/30/2021 |

---

## Exhibit 99.43

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.43**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| xx | xx | 60585 |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide CDA or simliar document as provided AVM reflects confidence score as 0.16 which is greater than 0.10.Additional valuation product not found in file, additional product will be ordered to validate appraised value."<br>02/25/2022 - Received CDA as additional valuation & condition resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 812 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 07/10/2025 |
| xx | xx | 60621 |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase Risk Indicator is "Elevated" - EV R<br> COMMENT: Finance charge on PCCD is under-disclosed by $225 .The PCCD reflects a finance charge of $XXXX,while the compliance finance charge is $XXXX.The $225 exceeds the acceptable tolerance of $100.<br>Resolved 2/24/2022 : Received PCCD and updated, hence conditions cleared. |  |  | Single Family | xx | xx | xx | Primary | Purchase | 760 |  | xx | 11 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.999% | Yes | Alternative | QC Complete | 11/30/2021 |
| xx | xx | 73784 |  | xx | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Cash Out | 714 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 09/15/2023 |

---

## Exhibit 99.44

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.44**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| xx | xx | 60585 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -14.646% | xx | 0.16 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xx | xx | 60621 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 0.455% | xx | 0.02 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xx | xx | 73784 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |

---

## Exhibit 99.45

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.45**

**EXECUTIVE SUMMARY**

MFA 2025-NQM3

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by MFA Financial, Inc. The Review was conducted from January 2025 to June 2025 on mortgage loans originated from January 2025 to June 2025. The Review consisted of 100% of the population of 62 loans with an original loan balance of $85,716,657.00.

**Credit Review**

MaxDiligence 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 will include the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review Underwriting Decision and Approval Conditions</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of DTI / DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of Hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Mortgage
Insurance Certificate was in file, if applicable, and

![](ex9945001.jpg)

coverage was sufficient, and premium was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Review
 of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&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. Compare
 for conflicting 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;ii. Check
 dates for document expiration

&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. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 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;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, 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;iii. Transcripts
 (as applicable) support 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;iv. Tax
 Returns and Profit and Loss Statements, 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;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

&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. Consistent/Continuing
 Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&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
 adequate funds to cover required down payment and closing costs and reserves

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

&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. Sufficient
 funds were sourced and seasoned

&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. Gift
 funds verified and met guidelines

![](ex9945001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, MaxDiligence will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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, excluding investment
 properties, as set forth below:

&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
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

![](ex9945001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence
 will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non-QM, or exempt
 from ATR. (MaxDiligence determines the mortgage loan's status under the ATR or
 QM rule requirements and assigns a due diligence mortgage loan designation. Generally,
 MaxDiligence notes as a material exception if the due diligence findings do not confirm
 the originator's mortgage loan designation. Additionally, MaxDiligence notes if
 an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. MaxDiligence
 utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, MaxDiligence reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, MaxDiligence then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and

![](ex9945001.jpg)

provides a due diligence designation of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. MaxDiligence
 reviews the mortgage loan to determine whether, based on available information in the
 mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third-party records,
 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;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&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. Employment
 - Review file documentation for required level of employment

&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. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&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. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
 calculation, to properly assess the 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;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&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. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the 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;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and determine a representative credit score from the credit report

**Property Review**

MaxDiligence performed a Property Review, which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's
 review will include a review of the valuation materials utilized during the origination
 of the loan and in confirming the value of the underlying property. MaxDiligence's
 review will include verifying the appraisal report:

![](ex9945001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate GSE form:

&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. All
 elements of appraisal are present

&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. Ensure
 all applicable Loan documents match appraisal 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;iii. Property
 is acceptable collateral for Loan program

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

&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. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

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

&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. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence will recommend a BPO or field review
 be ordered.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of MaxDiligence's review include (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

![](ex9945001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in MaxDiligence's
 review result in a variance of more than 10% then the client will be notified of such
 variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 will confirm to the extent possible that the appraiser and the appraisal made by such
 appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence
 will review the appraisal for conformity to industry standards, including ensuring the
 appraisal was complete, that the comparable properties and adjustments were reasonable
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a Compliance Review below, which is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Compliance reviews exclude business purpose loans.

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

![](ex9945001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) Business Days from the application date, and
 at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) Business Days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) Business Days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) Business Days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final CD, and confirm that final CD fees are within
the permitted tolerances. Confirm the total

![](ex9945001.jpg)

---

| | |
|:---|:---|
|  | of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge tolerances are correct. |
| 5. | <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD ("<u>PCCD</u>"), and iii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
 Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</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;i. Points
 and fees threshold test;

&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. APR
 threshold test;

&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. Prepayment
 penalty test; 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;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

&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. Review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

&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
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● Note: Where available, MaxDiligence reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures,

![](ex9945001.jpg)

MaxDiligence's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</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;i. Determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</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;i. Determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</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;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

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

&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. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&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. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when 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;vi. Confirm
 that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&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. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
 Days of application;

![](ex9945001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&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. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) Business Days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&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. Charging
 of a fee for a copy of the appraisal or other written valuation;

&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. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) 
 With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) Business Days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late 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;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

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

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

![](ex9945001.jpg)

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

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

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

**Data Tape Review**

As part of the Credit, Property, and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 62 mortgage loans reviewed, 26 unique mortgage loans (by loan count) had a total of 33 different tape discrepancies across 6 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;2 | &nbsp;&nbsp;62 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;17 | &nbsp;&nbsp;62 | &nbsp;&nbsp;27.42% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;62 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;62 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Reviewed Total Debt Income Ratio | &nbsp;&nbsp;8 | &nbsp;&nbsp;62 | &nbsp;&nbsp;12.90% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;62 | &nbsp;&nbsp;3.23% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 74.19% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &nbsp;&nbsp;74.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;25.81% |

---

![](ex9945001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;48 | &nbsp;&nbsp;77.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;22.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**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 Credit Grade of "A", a Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

![](ex9945001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Earnest Money Deposit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Large Deposits | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Cash To Borrower does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Corporation/LLC: EIN Doc is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Corporation/LLC: Operating Agreement Doc is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Property Tax Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Settlement Statement Missing. | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Certificate Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Gift Letter - No Evidence for Transfer of Funds | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HELOC - Agreement Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan Package - 2nd Mortgage Note Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Tax amount not verified. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification Documentation - Employment History | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***65*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income - Comparable Rent Schedule Form 1007 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Subject property Short Term Rental Income does not meet qualification | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***15*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal - Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Doc - Second Appraisal Missing | &nbsp;&nbsp;1 |

---

![](ex9945001.jpg)

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;57 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***61*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Closing Detail Statement Indicator is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Federal - Closing Disclosure and Consummation Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Federal - Homeownership Counseling Disclosure Delivery | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Federal - Qualified Mortgage Loan Features (01/14) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID: Missing Initial Closing Disclosure | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***61*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test (50001251) | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions*** | &nbsp;&nbsp;***2*** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

![](ex9945001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

## Exhibit 99.46

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.46**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 82135 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3381315 | 1 of 4 | 2025-02-08 14:41 | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. Auditor could not locate the hazard insurance policy in the file for the subject property at XXXX. <br>|  | Document Uploaded. - 02/12/2025<br>| Received evidence of insurance with no issues noted. - 02/13/2025<br>|  | 2025-02-13 20:31 | Resolved | 3 | 1 | 3 | 1 |
| 82135 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3381328 | 2 of 4 | 2025-02-08 14:47 | Credit | Asset 1 Missing | Asset documentation is missing from the file. Auditor could not locate the asset statement with the balance of $XXXX. <br>|  | Document Uploaded. UW never corrected final 1003 to reflect assets at close so attached is the corrected 1003, 1008 and income worksheet w/correct asset information. Please clear condition. - 02/27/2025<br>| Received revised 1008, 1003, and income worksheet to reflect asset depletion adjustment per documents already provided. DTI and reserve requirements are met. - 02/27/2025<br>Asset 1 Provided - 02/27/2025<br>|  | 2025-02-27 18:44 | Resolved | 3 | 1 | 3 | 1 |
| 82135 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3385136 | 3 of 4 | 2025-02-10 14:54 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-10 14:54 | Cleared | 1 | 1 | 3 | 1 |
| 82135 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3407572 | 4 of 4 | 2025-02-12 16:34 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-02-12 16:34 | Cleared | 1 | 1 | 3 | 1 |
| 82137 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3341162 | 1 of 3 | 2025-02-03 22:13 | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. <br>|  | Document Uploaded. - 02/19/2025 <br> Document Uploaded. Please see email from escrow that they don't provide a FSS/CD in XXXX. They use our Final CD. Does this suffice? - 02/05/2025 | Final HUD-1 Document is not missing or estimated only. - 02/20/2025<br>The lender final CD or settlement statement would suffice however the file does not contain either. - 02/07/2025<br>|  | 2025-02-20 00:04 | Resolved | 3 | 1 | 3 | 1 |
| 82137 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3344460 | 2 of 3 | 2025-02-04 14:26 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-04 14:26 | Cleared | 1 | 1 | 3 | 1 |
| 82137 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3348749 | 3 of 3 | 2025-02-04 19:50 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-02-04 19:50 | Cleared | 1 | 1 | 3 | 1 |
| 82142 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3315874 | 1 of 3 | 2025-01-30 15:09 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-01-30 15:09 | Cleared | 1 | 1 | 1 | 1 |
| 82142 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3320456 | 2 of 3 | 2025-01-30 20:09 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-01-30 20:09 | Cleared | 1 | 1 | 1 | 1 |
| 82142 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3320460 | 3 of 3 | 2025-01-30 20:09 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-30 20:09 | Cleared | 1 | 1 | 1 | 1 |
| 83806 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3949553 | 1 of 3 | 2025-04-24 13:28 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-24 13:28 | Cleared | 1 | 1 | 1 | 1 |
| 83806 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3955199 | 2 of 3 | 2025-04-24 19:19 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-24 19:19 | Cleared | 1 | 1 | 1 | 1 |
| 83806 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3955200 | 3 of 3 | 2025-04-24 19:19 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-24 19:19 | Cleared | 1 | 1 | 1 | 1 |
| 82278 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3405653 | 1 of 3 | 2025-02-12 14:21 | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. Only the last page of the initial 1003 is present in file. <br>|  | Document Uploaded. - 02/14/2025<br>| Documentation provided is sufficient. - 02/18/2025<br>The Initial 1003 is present. - 02/18/2025<br>|  | 2025-02-18 14:05 | Resolved | 3 | 1 | 3 | 2 |
| 82278 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3406766 | 2 of 3 | 2025-02-12 15:42 | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. The maximum LTV for a loan amount of $XXXX purchase with a 757 credit score is 70%. A formal exception was done to allow 75% LTV. <br>|  |  |  | The exception was approved based on good mortgage history, 42 months of reserves, and an established business. | 2025-02-13 18:20 | Waived | 2 | 2 | 3 | 2 |
| 82278 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3406799 | 3 of 3 | 2025-02-12 15:44 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-12 15:44 | Cleared | 1 | 1 | 3 | 2 |
| 83807 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3933140 | 1 of 3 | 2025-04-23 03:15 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-23 03:15 | Cleared | 1 | 1 | 3 | 2 |
| 83807 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3933141 | 2 of 3 | 2025-04-23 03:16 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-23 03:16 | Cleared | 1 | 1 | 3 | 2 |
| 83807 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3952287 | 3 of 3 | 2025-04-24 16:08 | Compliance | Charges That Cannot Increase Test (50001251) | 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: Condo Questionnaire. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Condo Questionaire fee of $157.50 was added to the initial CD. $157.50 cure required. Provide PCCD, LOE, copy of refund check and proof of mailing. <br>|  | Document Uploaded. - 05/12/2025<br>| Received curative PCCD, LOE, copy of refund check and proof of mailing . Finding is cured - 05/12/2025<br>Resolved - 05/12/2025<br>|  | 2025-05-12 15:28 | Cured | 3 | 2 | 3 | 2 |
| 83938 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3823306 | 1 of 4 | 2025-04-09 22:49 | 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 provide the final completion certificate (1004D). <br>|  | Document Uploaded. Please see attached photos that were accepted for the 1004D - 04/10/2025<br>| Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - 04/11/2025<br>|  | 2025-04-11 14:08 | Resolved | 3 | 1 | 3 | 2 |
| 83938 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3823552 | 2 of 4 | 2025-04-09 23:50 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per the XXXX – DSCR Matrix, for DSCR ratios less than one, the maximum transaction Loan to Value for Cash Out is 70%. A formal exception is located in the loan file for LTV overage of 5%. <br>|  |  |  | The exception was approved based on minimum required reserves exceeded by 33 months; minimum required credit score exceeded by over 50 points. | 2025-04-10 14:49 | Waived | 2 | 2 | 3 | 2 |
| 83938 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3827687 | 3 of 4 | 2025-04-10 14:56 | Credit | Tax amount not verified. | It appears the subject is a new construction, and the tax certificate was based on information from XXXX. Please document the current or estimated property taxes based on the new construction are within guidelines for DSCR calculation.  |  | Document Uploaded. New property tax estimator attached and new DSCR calculator showing .927 DSCR. Please clear condition - 04/10/2025<br>| Documentation provided is sufficient. - 04/11/2025<br>|  | 2025-04-11 14:09 | Resolved | 3 | 1 | 3 | 2 |
| 83938 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3827702 | 4 of 4 | 2025-04-10 14:58 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-04-10 14:58 | Cleared | 1 | 1 | 3 | 2 |
| 82828 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | 3621349 | 1 of 6 | 2025-03-16 13:11 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd party VOE prior to close missing. The verbal verification of employment for XXXX is missing for XXXX, and the verbal verification of employment for both XXXX and XXXX is missing for XXXX and XXXX. According to the guidelines, a VVOE is required for self-employed borrowers 20 business days before the note date.<br>|  | Document Uploaded. VVOEs requested attached except for XXXX because no income was used to qualify but borrower was hit for loss only. Please clear conditon - 04/04/2025 |  |  | 2025-04-08 15:02 | Resolved | 3 | 1 | 4 | 2 |
| 82828 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | 3621378 | 2 of 6 | 2025-03-16 13:38 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap or undisclosed debt notification was not located in the file for borrower 1 or borrower 2. An Undisclosed Debt Notification (UDN) is required within 10 days of closing date. Verification of monitoring document needs to clearly show date issued, created or printed within 10 days of closing date showing actively monitoring. <br>|  | Document Uploaded. Credit report is within 10 days prior to closing so no gap needed - 03/17/2025<br>|  |  | 2025-03-20 14:22 | Resolved | 4 | 1 | 4 | 2 |
| 82828 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | 3621525 | 3 of 6 | 2025-03-16 15:41 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited loan amount is greater than the guideline Maximum loan amount. The guideline maximum loan amount is $XXXX. Exception is being given for the loan amount of $XXXX. <br>|  |  |  | The compensating factors that support the exception for the loan amount of $XXXX are that the borrowers have good credit history, 17 months of reserves where 12 months of reserves are required, businesses are established, has a fico score of 793 where the minimum is 760 and the DTI is 37.35% which is below the maximum required of 50%. | 2025-03-16 15:41 | Waived | 2 | 2 | 4 | 2 |
| 82828 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | 3621526 | 4 of 6 | 2025-03-16 15:41 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Guideline states that the maximum LTV is 70%. Loan was approved with LTV of 75%. <br>|  |  |  | Good credit history. 17 months of reserves where 12 months of reserves are required. Businesses are established. A fico score of 793 where the minimum is 760. The DTI is 37.35% which is below the maximum required of 50%. | 2025-03-17 18:13 | Waived | 2 | 2 | 4 | 2 |
| 82828 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | 3621529 | 5 of 6 | 2025-03-16 15:44 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-03-16 15:44 | Cleared | 1 | 1 | 4 | 2 |
| 82828 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | 3621532 | 6 of 6 | 2025-03-16 15:44 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-03-16 15:44 | Cleared | 1 | 1 | 4 | 2 |
| 82833 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3595377 | 1 of 4 | 2025-03-12 19:26 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-03-12 19:26 | Cleared | 1 | 1 | 3 | 2 |
| 82833 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3626288 | 2 of 4 | 2025-03-17 15:42 | Property | Missing Doc - Second Appraisal Missing | The loan file did not contain the subject second appraisal as required. The approved loan amount is $XXXX. Per guidelines, a second appraisal will be required when the loan amount exceeds $XXXX. Please provide a copy of the second appraisal. <br>|  | Document Uploaded. Uploading both since I'm not sure which one you have. - 03/18/2025<br>| Second appraisal has been received - 03/20/2025<br>|  | 2025-03-20 19:46 | Resolved | 3 | 1 | 3 | 2 |
| 82833 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3626325 | 3 of 4 | 2025-03-17 15:45 | Credit | Loan Package - 2nd Mortgage Note Missing | Loan file does not include subordinate lien documentation. The borrower obtained a concurrent 2nd mortgage for $XXXX. Please provide the Note, Deed, and Closing Disclosure for the concurrent 2nd mortgage. The cash out from the 2nd mortgage should satisfy the borrower's reserves of 35 months as stated on the exception as a compensating factor. <br>|  | Document Uploaded. - 03/18/2025<br>| documentation has been received - 03/20/2025<br>|  | 2025-03-20 19:52 | Resolved | 3 | 1 | 3 | 2 |
| 82833 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3629727 | 4 of 4 | 2025-03-17 19:38 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited loan amount is greater than the guideline Maximum loan amount. This transaction is a cashout refinance of a primary residence with a loan amount of $XXXX. Per guidelines, cash out refinances for loan amounts greater than $XXXX are not allowed. A formal exception is located in the loan file. <br>|  |  |  | Good credit history with accounts paid as agreed. 35 months of reserves when 3 are required. Established business. 820 FICO when the requirement is 760. Low DTI of 33.52 with a 50% DTI required. | 2025-03-17 19:42 | Waived | 2 | 2 | 3 | 2 |
| 83668 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3913325 | 1 of 3 | 2025-04-21 13:43 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-04-21 13:43 | Cleared | 1 | 1 | 1 | 1 |
| 83668 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3913332 | 2 of 3 | 2025-04-21 13:44 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-21 13:44 | Cleared | 1 | 1 | 1 | 1 |
| 83668 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3913334 | 3 of 3 | 2025-04-21 13:44 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-21 13:44 | Cleared | 1 | 1 | 1 | 1 |
| 83669 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3927506 | 1 of 3 | 2025-04-22 16:46 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-22 16:46 | Cleared | 1 | 1 | 1 | 1 |
| 83669 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3944430 | 2 of 3 | 2025-04-23 21:18 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-23 21:18 | Cleared | 1 | 1 | 1 | 1 |
| 83669 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3944431 | 3 of 3 | 2025-04-23 21:18 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-23 21:18 | Cleared | 1 | 1 | 1 | 1 |
| 83808 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3961408 | 1 of 3 | 2025-04-25 12:47 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-25 12:47 | Cleared | 1 | 1 | 1 | 1 |
| 83808 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3961410 | 2 of 3 | 2025-04-25 12:47 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-25 12:47 | Cleared | 1 | 1 | 1 | 1 |
| 83808 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3961412 | 3 of 3 | 2025-04-25 12:47 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-04-25 12:47 | Cleared | 1 | 1 | 1 | 1 |
| 83552 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3707527 | 1 of 3 | 2025-03-27 13:14 | Compliance | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | The Last Loan Estimate was provided on (XXXX) which is on or after (XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) The last Loan Estimate and the Initial Closing Disclosure were both provided XXXX, the same day. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) <br>|  | Document Uploaded. - 03/28/2025<br>| The lender compliance tracker reflects the LE and CD were not actually sent on the same day. - 04/01/2025<br> Unable to resolve. The initial CD on XXXX is datedXXXX and the final LE on XXXX is also dated XXXX. This cannot be cured. - 03/31/2025 |  | 2025-04-01 15:47 | Resolved | 3 | 1 | 3 | 2 |
| 83552 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3708569 | 2 of 3 | 2025-03-27 14:36 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Max LTV is 60% per guidelines (First Time Home Buyer plus "rent free"). Loan LTV is 74.98%. An exception is noted on Lock Confirmation but there is not formal exception form in file. <br>|  | Document Uploaded. Exception approval attached. Please clear. - 03/31/2025<br>| Waived by client with compensating factors. - 04/01/2025<br>| 1. FICO 30+ points higher than minimum required. <br> 2. 28 months reserves, 8 were required.<br> 3. No derogatory credit events or adverse actions. | 2025-04-01 15:45 | Waived | 3 | 2 | 3 | 2 |
| 83552 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3708649 | 3 of 3 | 2025-03-27 14:43 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-03-27 14:43 | Cleared | 1 | 1 | 3 | 2 |
| 83554 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3787165 | 1 of 4 | 2025-04-04 18:10 | Compliance | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (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) Final CD discloses disbursement XXXX; however documents were not executed until XXXX and disbursement could not occur before XXXX <br>|  | Document Uploaded. - 04/08/2025<br>| Received PCCD correcting disbursement date - 04/09/2025<br>|  | 2025-04-09 13:07 | Resolved | 3 | 1 | 3 | 2 |
| 83554 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3791705 | 2 of 4 | 2025-04-06 14:30 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Guidelines-Cashout N/A for >$XXXX. Loan approval $XXXX. A formal exception (XXXX) is in file.<br>|  |  |  | Compensating factors-Fico 795 w/760 minimum. 27 months reserves w/3 required. DTI 27% w/50% required. 0x30 housing payment history in 12 months. No derogatory credit nor any credit events | 2025-04-08 16:18 | Waived | 2 | 2 | 3 | 2 |
| 83554 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3791706 | 3 of 4 | 2025-04-06 14:32 | Credit | HELOC - Agreement Missing | Loan file does not contain terms and conditions for the HELOC Agreement. Provide verification of new HELOC documentation verifying terms with payment $XXXX and loan amount $XXXX. Credit - Closing Concurrent:C9 - Credit - Loan closing concurrent with Loan #XXXX. Must upload copy of Note, Deed,<br> Final Settlement statement from 2nd lien into this loan <br>|  | Document Uploaded. - 04/08/2025<br>| documentation meet guideline requirements - 04/09/2025<br>|  | 2025-04-09 15:35 | Resolved | 3 | 1 | 3 | 2 |
| 83554 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3791707 | 4 of 4 | 2025-04-06 14:33 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-06 14:33 | Cleared | 1 | 1 | 3 | 2 |
| 83043 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3696317 | 1 of 6 | 2025-03-26 11:42 | Credit | Missing letter of explanation | CPA letter does not state that he has prepared the tax returns for the borrower for the past two years. It only states that he has prepared the most recent year tax returns. Could not locate where the CPA license was verified. Could not locate the business narrative. Need to provide updated letter that validates CPA has prepared the last two years of taxes, verification of CPA license and the business narrative. <br>|  | Document Uploaded. Business Narrative, CPA license Verification and 2 years self employment verification attached. CPA letter addresses last tax return filed which would be XXXX since that is last tax return that was due and attached document from XXXX verifies XXXX. In addition CPA letter confirms borrower has been self employed over 2 years. Please clear condition. - 03/28/2025 | documentation meet guideline requirements - 03/31/2025<br>|  | 2025-03-31 14:55 | Resolved | 3 | 1 | 3 | 1 |
| 83043 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3696397 | 2 of 6 | 2025-03-26 11:55 | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Per the loan application the borrowers pay rent in the amount of $XXXX a month and has been in the residence for the last 3 years. There is a lease in file showing the amount of $XXXX. There was no documentation in the file to support a 12 month housing history. <br>|  | Document Uploaded. - 03/27/2025<br>| documentation meet guideline requirements - 03/28/2025<br>|  | 2025-03-28 13:56 | Resolved | 3 | 1 | 3 | 1 |
| 83043 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3696563 | 3 of 6 | 2025-03-26 12:16 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Per the approval the tax amount is $XXXX monthly. Could not locate the documentation to support using this amount as the monthly payment. The 1008 stated that they calculated the monthly payment based on the purchase price \*1.25%. <br>|  | Document Uploaded. - 03/27/2025<br>| documentation meet guideline requirements - 03/28/2025<br>|  | 2025-03-28 13:55 | Resolved | 3 | 1 | 3 | 1 |
| 83043 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3696689 | 4 of 6 | 2025-03-26 12:30 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-03-26 12:30 | Cleared | 1 | 1 | 3 | 1 |
| 83043 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3696761 | 5 of 6 | 2025-03-26 12:37 | Credit | Gift Letter - No Evidence for Transfer of Funds | No evidence of the transfer of gift funds from the donor to the borrower was located in the file. Per the notes in the file, the gift funds in the amount of $XXXX was supposed to be wired at closing. There is no documentation in the file to support the transfer of the gift funds. <br>|  | Document Uploaded. - 03/27/2025<br>| documentation meet guideline requirements - 03/28/2025<br>|  | 2025-03-28 13:54 | Resolved | 3 | 1 | 3 | 1 |
| 83043 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3696941 | 6 of 6 | 2025-03-26 12:59 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-03-26 12:59 | Cleared | 1 | 1 | 3 | 1 |
| 83670 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3867711 | 1 of 4 | 2025-04-15 15:33 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-15 15:33 | Cleared | 1 | 1 | 3 | 1 |
| 83670 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3869093 | 2 of 4 | 2025-04-15 17:03 | Credit | Asset 1 Missing | Asset documentation is missing from the file. Provide all pages on Retirement Funds XXXX XXXX statement <br>|  | Document Uploaded. Attached XXXX full statement - all pages. Please clear condition - 04/21/2025 |  |  | 2025-04-22 12:54 | Resolved | 3 | 1 | 3 | 1 |
| 83670 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3869102 | 3 of 4 | 2025-04-15 17:04 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Provide hazard and HOA , if any, for XXXX to support URLA payment used in DTI. <br>|  | Document Uploaded. 1003 and 1008 corrected to reflect only property taxes on XXXX and LOE from borrower attached. Please clear condition - 04/16/2025 |  |  | 2025-04-18 14:51 | Resolved | 3 | 1 | 3 | 1 |
| 83670 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3869111 | 4 of 4 | 2025-04-15 17:04 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-15 17:04 | Cleared | 1 | 1 | 3 | 1 |
| 83044 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3667768 | 1 of 3 | 2025-03-21 14:45 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-03-21 14:45 | Cleared | 1 | 1 | 1 | 1 |
| 83044 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3667769 | 2 of 3 | 2025-03-21 14:45 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-03-21 14:45 | Cleared | 1 | 1 | 1 | 1 |
| 83044 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3669492 | 3 of 3 | 2025-03-21 16:40 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-03-21 16:40 | Cleared | 1 | 1 | 1 | 1 |
| 83671 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3848263 | 1 of 3 | 2025-04-12 13:27 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-12 13:27 | Cleared | 1 | 1 | 1 | 1 |
| 83671 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3848264 | 2 of 3 | 2025-04-12 13:27 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-12 13:27 | Cleared | 1 | 1 | 1 | 1 |
| 83671 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3848356 | 3 of 3 | 2025-04-12 13:56 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-12 13:56 | Cleared | 1 | 1 | 1 | 1 |
| 83672 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3865484 | 1 of 3 | 2025-04-15 13:12 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-15 13:12 | Cleared | 1 | 1 | 3 | 1 |
| 83672 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3865491 | 2 of 3 | 2025-04-15 13:12 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-04-15 13:12 | Cleared | 1 | 1 | 3 | 1 |
| 83672 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3869141 | 3 of 3 | 2025-04-15 17:08 | Credit | Assets - Large Deposits | The loan file does not contain all required asset documentation. Asset statements in file verified a large deposit which when removed from assets results in a shortage and the loan file does not contain sufficient documentation to source the deposit. Provide source of deposit $XXXX on XXXX into XXXX XXXX<br>|  | Document Uploaded. Large Deposit came from XXXX, check for XXXX was withdrawn from XXXX and deposited into XXXX XXXX XXXX w/other smaller checks. Please clear condition - 04/15/2025 |  |  | 2025-04-17 00:28 | Resolved | 3 | 1 | 3 | 1 |
| 83673 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3893984 | 1 of 3 | 2025-04-17 19:13 | Property | Appraisal - Other | There are additional appraisal findings. Missing 1007 for market rent. Loan was approved under the XXXX program and the 1007 is required in order to calculate the DSCR ratio. <br>|  | This is a no ratio loan. No rental income being used; therefore rental agreement and/or 1007 not required - No Ratio capped at 60% LTV. Please clear condition. - 04/21/2025<br>| Received explanation. Double-checked guidelines which does have a No Ratio/DSCR component. - 04/22/2025<br>|  | 2025-04-22 21:25 | Void | 2 |  | 3 | 1 |
| 83673 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3904926 | 2 of 3 | 2025-04-18 19:10 | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Provide final Closing Disclosure or final Alta Settlement Statement. The statement needs to include escrow impound information. If no escrow impounds are reflected on the final Closing Disclosure/Settlement Statement, an executed Escrow Waiver would also need to be provided. <br>|  | Document Uploaded. - 04/21/2025<br>| Received final settlement statement reflecting impound disbursements. - 04/22/2025<br>|  | 2025-04-22 21:16 | Resolved | 3 | 1 | 3 | 1 |
| 83673 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3904946 | 3 of 3 | 2025-04-18 19:11 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-04-18 19:11 | Cleared | 1 | 1 | 3 | 1 |
| 83809 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4027492 | 1 of 3 | 2025-05-02 14:52 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-02 14:52 | Cleared | 1 | 1 | 1 | 1 |
| 83809 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4032058 | 2 of 3 | 2025-05-02 19:36 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-02 19:36 | Cleared | 1 | 1 | 1 | 1 |
| 83809 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4032059 | 3 of 3 | 2025-05-02 19:36 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-02 19:36 | Cleared | 1 | 1 | 1 | 1 |
| 83674 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3835141 | 1 of 3 | 2025-04-11 03:47 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-04-11 03:47 | Cleared | 1 | 1 | 1 | 1 |
| 83674 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3835142 | 2 of 3 | 2025-04-11 03:47 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-11 03:47 | Cleared | 1 | 1 | 1 | 1 |
| 83674 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3835150 | 3 of 3 | 2025-04-11 03:48 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-11 03:48 | Cleared | 1 | 1 | 1 | 1 |
| 83939 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4226483 | 1 of 3 | 2025-05-23 13:21 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-23 13:21 | Cleared | 1 | 1 | 3 | 1 |
| 83939 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4239705 | 2 of 3 | 2025-05-26 20:03 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing a current mortgage statement for borrower mortgage with XXX for the property located at XXXX to support borrower not on mortgage. <br>|  | Document Uploaded. Sorry, misread the original condition. Attached is the Final Settlement Stmt on XXXX showing no mortgage paid off and property profile that shows last recorded mortgage reconveyed XXXX. Please clear condition. - 05/28/2025 <br> Document Uploaded. Borrower is on mortgage and included in DTI. Attached is copy of Note to verify P&I payment and HOI and property taxes along w/corrected 1003 and 1008 reflecting correct P&I payment amount. Please clear condition. - 05/28/2025 | Received final settlement statement for recent refinance transaction of XXXX property showing no mortgages were paid off. Also, received Property Profile for XXXX which showed purchase money mortgage was released XXXX and refinance mortgage was released XXXX2. XXXX property has been owned free & clear for over 24 months prior to the subject loan application date. - 05/29/2025<br> Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - 05/29/2025<br> Received PITIA documentation which showed the FundLoans mortgage was newly obtained. However, per XXXX, last property sale for XXXX was in the year XXXX. Guidelines require a minimum 12 months mortgage history on all properties owned. Please provide 12 months mortgage history leading up to the application date for XXXX. - 05/28/2025 |  | 2025-05-29 22:53 | Resolved | 3 | 1 | 3 | 1 |
| 83939 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4239737 | 3 of 3 | 2025-05-26 21:05 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-26 21:05 | Cleared | 1 | 1 | 3 | 1 |
| 83560 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3789937 | 1 of 3 | 2025-04-04 22:21 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-04 22:21 | Cleared | 1 | 1 | 1 | 1 |
| 83560 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3789938 | 2 of 3 | 2025-04-04 22:22 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-04 22:22 | Cleared | 1 | 1 | 1 | 1 |
| 83560 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3799880 | 3 of 3 | 2025-04-07 20:14 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-07 20:14 | Cleared | 1 | 1 | 1 | 1 |
| 83810 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4006066 | 1 of 4 | 2025-04-30 16:45 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-30 20:38 | Cleared | 1 | 1 | 3 | 1 |
| 83810 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4007602 | 2 of 4 | 2025-04-30 18:20 | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. The premium amount used to qualify is much lower than the hazard policy in the file. Please provide the final hazard insurance to support the $XXXX monthly premium used to qualify. <br>|  | Document Uploaded. Correct HOI insurance was provided but 1008 and 1003 were showing incorrect amount. Attached are corrected 1008 and 1003. Please clear condition. - 05/05/2025<br>| Documentation provided is sufficient. - 05/06/2025<br>|  | 2025-05-06 13:03 | Resolved | 3 | 1 | 3 | 1 |
| 83810 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4007622 | 3 of 4 | 2025-04-30 18:21 | Credit | Verification Documentation - Employment History | The employment and/or income verifications do not substantially match the loan application and/or credit report information. Please validate CPA/ Licensed Tax Preparer credentials <br>|  | Document Uploaded. - 05/01/2025<br>| Documentation provided is sufficient. - 05/02/2025<br>|  | 2025-05-02 13:43 | Resolved | 3 | 1 | 3 | 1 |
| 83810 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4007629 | 4 of 4 | 2025-04-30 18:21 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-30 18:21 | Cleared | 1 | 1 | 3 | 1 |
| 83811 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4006787 | 1 of 3 | 2025-04-30 17:31 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-30 17:31 | Cleared | 1 | 1 | 1 | 1 |
| 83811 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4006794 | 2 of 3 | 2025-04-30 17:31 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-30 17:31 | Cleared | 1 | 1 | 1 | 1 |
| 83811 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4009687 | 3 of 3 | 2025-04-30 20:56 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-30 20:56 | Cleared | 1 | 1 | 1 | 1 |
| 83812 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4063687 | 1 of 4 | 2025-05-06 22:30 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-06 22:30 | Cleared | 1 | 1 | 3 | 2 |
| 83812 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4083574 | 2 of 4 | 2025-05-08 17:01 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Cash out is not allowed with less than 12 months seasoning. A formal exception is in the file. <br>|  |  |  | The exception was approved due to a 762-credit score and a DSCR over 1.34. | 2025-05-08 17:01 | Waived | 2 | 2 | 3 | 2 |
| 83812 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4083588 | 3 of 4 | 2025-05-08 17:02 | Property | Appraisal - Incomplete | The appraisal provided was incomplete. The Auditor was unable to review the entire appraisal report. The appraisal completed by XXXX was incomplete. Please provide the complete appraisal with pg 1, comparables, etc. <br>|  | Document Uploaded. - 05/08/2025<br>| Provided - 05/09/2025<br>|  | 2025-05-09 13:43 | Resolved | 3 | 1 | 3 | 2 |
| 83812 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4083593 | 4 of 4 | 2025-05-08 17:03 | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Please provide the final signed settlement statement to reflect the final funds needed to close. <br>|  | Document Uploaded. I apologize for also including the appraisal in this condition, can you please have it reviewed with appraisal condition. I uploaded the wrong one to that condition. I'm sorry. The XXXX is included for this condition. - 05/08/2025 |  |  | 2025-05-09 13:44 | Resolved | 3 | 1 | 3 | 2 |
| 83675 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3896919 | 1 of 3 | 2025-04-18 01:49 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-18 01:49 | Cleared | 1 | 1 | 1 | 1 |
| 83675 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3896920 | 2 of 3 | 2025-04-18 01:50 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-18 01:50 | Cleared | 1 | 1 | 1 | 1 |
| 83675 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3897105 | 3 of 3 | 2025-04-18 04:12 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-18 04:12 | Cleared | 1 | 1 | 1 | 1 |
| 83676 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3831103 | 1 of 3 | 2025-04-10 18:26 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-10 18:26 | Cleared | 1 | 1 | 1 | 1 |
| 83676 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3831108 | 2 of 3 | 2025-04-10 18:26 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-10 18:26 | Cleared | 1 | 1 | 1 | 1 |
| 83676 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3832276 | 3 of 3 | 2025-04-10 19:43 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-10 19:43 | Cleared | 1 | 1 | 1 | 1 |
| 83677 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3897187 | 1 of 3 | 2025-04-18 04:57 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-04-18 04:57 | Cleared | 1 | 1 | 3 | 1 |
| 83677 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3901927 | 2 of 3 | 2025-04-18 15:38 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-18 15:38 | Cleared | 1 | 1 | 3 | 1 |
| 83677 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3901951 | 3 of 3 | 2025-04-18 15:39 | Credit | Assets - Earnest Money Deposit | The XXXX was not properly documented and/or sourced. XXXX for subject is $XXXX. File contains proof of wired funds but not documentation that funds came from the borrower's own funds. <br>|  | Document Uploaded. XXXX being refunded so doesn't need to be sourced. Full down payment and reserves coming from sale of XXXX. Please clear condition. - 04/21/2025 |  |  | 2025-04-22 14:14 | Resolved | 3 | 1 | 3 | 1 |
| 83815 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4028430 | 1 of 3 | 2025-05-02 15:35 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-02 15:35 | Cleared | 1 | 1 | 1 | 1 |
| 83815 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4030492 | 2 of 3 | 2025-05-02 18:01 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-02 18:01 | Cleared | 1 | 1 | 1 | 1 |
| 83815 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4030514 | 3 of 3 | 2025-05-02 18:02 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-02 18:02 | Cleared | 1 | 1 | 1 | 1 |
| 83941 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4170606 | 1 of 3 | 2025-05-16 23:29 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-16 23:29 | Cleared | 1 | 1 | 3 | 2 |
| 83941 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4170612 | 2 of 3 | 2025-05-16 23:29 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-16 23:29 | Cleared | 1 | 1 | 3 | 2 |
| 83941 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4176232 | 3 of 3 | 2025-05-19 12:27 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines-missing at least 12 mos verification of primary<br>Credit History: Housing Payment History<br> Each loan application must include a fully documented, recent, consecutive, 24-month housing history and provide mortgage/housing payment history for a minimum of the 12 months leading up to the application date. On these non-owner-occupied transactions, a mortgage/housing history is required on the subject property and primary residence only. <br>|  | Document Uploaded. Borrower has only owned subject since XXXX and first and second payments made for XXXX and XXXX attached is the evidence of payments, copy of Note and HUD from purchase. Borrower lives rent free as mortgage is in significant others name. See attached mortgage statement, rent free letter and exception approval. Please clear condition. - 05/20/2025 | Guidelines-at least 12 mos verification of primary Credit History: Housing Payment History Each loan application must include a fully documented, recent, consecutive, 24-month housing history and provide mortgage/housing payment history for a minimum of the 12 months leading up to the application date. On these non-owner-occupied transactions, a mortgage/housing history is required on the subject property and primary residence only.<br> Loan approved based on-1) Lack of primary housing history without meeting guidelines for lack of primary housing history. 2) 20% LTV exception due to lack of primary housing history and living rent free {65% max living rent free and first time investor reduce max LTV by 5%). 3) Short 4 mos reserves, 12 mos required due to lack of primary housing history. A formal exception is approved/in file.<br>- 05/21/2025<br>| Comp Factors: CREDIT SCORE 71 POINTS ABOVE MINIMUM. DSCR .09 ABOVE MINIMUM. | 2025-05-21 14:53 | Waived | 3 | 2 | 3 | 2 |
| 83942 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4096535 | 1 of 3 | 2025-05-09 16:33 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-09 16:33 | Cleared | 1 | 1 | 1 | 1 |
| 83942 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4098650 | 2 of 3 | 2025-05-09 18:38 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-09 18:38 | Cleared | 1 | 1 | 1 | 1 |
| 83942 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4098659 | 3 of 3 | 2025-05-09 18:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-09 18:39 | Cleared | 1 | 1 | 1 | 1 |
| 83816 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4016849 | 1 of 3 | 2025-05-01 16:25 | Credit | Flood Certificate Partially Provided | Flood certificate is partially provided. Flood insurance documentation is a screen shot. Please provide the policy reflecting all pertinent information including the loss payee. <br>|  | Document Uploaded. - 05/02/2025<br>| The flood insurance policy has been provided. - 05/05/2025<br>|  | 2025-05-05 23:55 | Resolved | 3 | 1 | 3 | 1 |
| 83816 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4016850 | 2 of 3 | 2025-05-01 16:25 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-01 16:25 | Cleared | 1 | 1 | 3 | 1 |
| 83816 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4028215 | 3 of 3 | 2025-05-02 15:20 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-02 15:20 | Cleared | 1 | 1 | 3 | 1 |
| 83943 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4085619 | 1 of 3 | 2025-05-08 19:05 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-08 19:05 | Cleared | 1 | 1 | 4 | 1 |
| 83943 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4085696 | 2 of 3 | 2025-05-08 19:09 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-08 19:09 | Cleared | 1 | 1 | 4 | 1 |
| 83943 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4092854 | 3 of 3 | 2025-05-09 13:26 | Compliance | Closing Detail Statement Indicator is Missing | Closing Detail Statement Indicator is Missing. Estimate settlement in file dated XXXX, but states subject to changes or additions at closing. No final CD or settlement statement located in file. <br>|  | Document Uploaded. - 05/09/2025<br>| documentation meet guideline requirements - 05/12/2025<br>Closing Detail Statement Indicator is not Missing. - 05/12/2025<br>|  | 2025-05-12 16:38 | Resolved | 4 | 1 | 4 | 1 |
| 84643 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4319400 | 1 of 3 | 2025-06-03 19:55 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-03 19:55 | Cleared | 1 | 1 | 1 | 1 |
| 84643 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4325024 | 2 of 3 | 2025-06-03 22:45 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-03 22:45 | Cleared | 1 | 1 | 1 | 1 |
| 84643 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4325031 | 3 of 3 | 2025-06-03 22:46 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-03 22:46 | Cleared | 1 | 1 | 1 | 1 |
| 83817 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4046314 | 1 of 3 | 2025-05-05 18:03 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-05 18:03 | Cleared | 1 | 1 | 1 | 1 |
| 83817 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4053817 | 2 of 3 | 2025-05-06 12:01 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-06 12:01 | Cleared | 1 | 1 | 1 | 1 |
| 83817 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4060631 | 3 of 3 | 2025-05-06 18:54 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-06 18:54 | Cleared | 1 | 1 | 1 | 1 |
| 83944 |  |  | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4117651 | 1 of 3 | 2025-05-12 18:22 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-12 18:22 | Cleared | 1 | 1 | 1 | 1 |
| 83944 |  |  | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4118055 | 2 of 3 | 2025-05-12 18:44 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-12 18:44 | Cleared | 1 | 1 | 1 | 1 |
| 83944 |  |  | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4118056 | 3 of 3 | 2025-05-12 18:45 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-12 18:45 | Cleared | 1 | 1 | 1 | 1 |
| 84644 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4312436 | 1 of 4 | 2025-06-03 15:02 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-03 15:02 | Cleared | 1 | 1 | 3 | 2 |
| 84644 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4316080 | 2 of 4 | 2025-06-03 17:17 | Compliance | Charges That Cannot Increase Test (50001251) | 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 appraisal fee increased from $1250 to $1500 without a change in circumstance <br>|  | Document Uploaded. - 06/17/2025<br>| Received curative package. No further findings - 06/18/2025<br>Resolved - 06/18/2025<br>|  | 2025-06-18 14:52 | Cured | 3 | 2 | 3 | 2 |
| 84644 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4318340 | 3 of 4 | 2025-06-03 19:08 | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$XXXX are less than $0. Per guidelines-• LTV > 65% to 85% 6 Months reserves <br>|  | Document Uploaded. Reserve requirements are waived for Rate/ Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment of 10% or greater AND housing history is 1x30x12 or better. Borrower has perfect mortgage history and is saving over 10%. Current P&I payment = XXXX and new P&I pmt XXXX. See attached guidelines. Please clear condition. - 06/04/2025 | documentation meet guideline requirements - 06/05/2025<br>Total Cash reserves are greater than $0. - 06/05/2025<br>|  | 2025-06-05 14:43 | Resolved | 3 | 1 | 3 | 2 |
| 84644 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4318364 | 4 of 4 | 2025-06-03 19:10 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required reserve months. • LTV > 65% to 85% 6 Months reserves required. Assets in file don't support. <br>|  | Document Uploaded. Reserve requirements are waived for Rate/ Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment of 10% or greater AND housing history is 1x30x12 or better. Borrower has perfect mortgage history and is saving over 10%. Current P&I payment = XXXX and new P&I pmt XXXX. See attached guidelines. Please clear condition. - 06/04/2025 | Audited Reserves of 0.51 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - 06/05/2025<br>Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of month(s) - 06/05/2025<br>|  | 2025-06-05 14:43 | Resolved | 3 | 1 | 3 | 2 |
| 84645 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4249379 | 1 of 3 | 2025-05-27 20:27 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-27 20:27 | Cleared | 1 | 1 | 1 | 1 |
| 84645 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4272161 | 2 of 3 | 2025-05-29 17:11 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-29 17:11 | Cleared | 1 | 1 | 1 | 1 |
| 84645 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4272170 | 3 of 3 | 2025-05-29 17:11 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-29 17:11 | Cleared | 1 | 1 | 1 | 1 |
| 83818 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4038700 | 1 of 3 | 2025-05-04 18:49 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-06 17:41 | Cleared | 1 | 1 | 1 | 1 |
| 83818 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4038702 | 2 of 3 | 2025-05-04 18:50 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-04 18:50 | Cleared | 1 | 1 | 1 | 1 |
| 83818 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4059268 | 3 of 3 | 2025-05-06 17:40 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-06 17:40 | Cleared | 1 | 1 | 1 | 1 |
| 83945 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4213334 | 1 of 3 | 2025-05-22 13:03 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-22 13:03 | Cleared | 1 | 1 | 1 | 1 |
| 83945 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4231057 | 2 of 3 | 2025-05-23 17:52 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-23 17:52 | Cleared | 1 | 1 | 1 | 1 |
| 83945 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4234786 | 3 of 3 | 2025-05-23 20:32 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-23 20:32 | Cleared | 1 | 1 | 1 | 1 |
| 83946 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 4126371 | 1 of 3 | 2025-05-13 14:31 | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. File only contains an Estimated Closing statement. <br>|  | Document Uploaded. - 05/13/2025<br>| Final HUD-1 Document is not missing or estimated only. - 05/14/2025<br>|  | 2025-05-14 13:37 | Resolved | 3 | 1 | 3 | 1 |
| 83946 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 4126486 | 2 of 3 | 2025-05-13 14:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-13 14:39 | Cleared | 1 | 1 | 3 | 1 |
| 83946 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 4127068 | 3 of 3 | 2025-05-13 15:12 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-13 15:12 | Cleared | 1 | 1 | 3 | 1 |
| 83947 |  |  | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4139466 | 1 of 3 | 2025-05-14 15:40 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-14 15:40 | Cleared | 1 | 1 | 1 | 1 |
| 83947 |  |  | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4143062 | 2 of 3 | 2025-05-14 19:56 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-14 19:56 | Cleared | 1 | 1 | 1 | 1 |
| 83947 |  |  | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4143065 | 3 of 3 | 2025-05-14 19:56 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-14 19:56 | Cleared | 1 | 1 | 1 | 1 |
| 83948 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4220447 | 1 of 3 | 2025-05-22 20:27 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-22 20:27 | Cleared | 1 | 1 | 3 | 2 |
| 83948 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4237314 | 2 of 3 | 2025-05-24 13:33 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-24 13:33 | Cleared | 1 | 1 | 3 | 2 |
| 83948 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4237340 | 3 of 3 | 2025-05-24 13:53 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan amount. Subject loan amount is $XXXX and guideline minimum is $XXXX. Loan lock states a guideline exception was granted but it does not state what that exception was. <br>|  | Document Uploaded. Exception approval attached. Please clear condition - 05/29/2025<br>| Per guidelines-Minimum loan amount is $XXXX. Loan approved with loan amount $XXXX. A formal exception is in file. - 05/30/2025 | Compensating factors-The borrower has over 10 months of reserves (only 8 required). The borrower has experience owning real estate. The FICO is 777(min 680). | 2025-05-30 18:42 | Waived | 3 | 2 | 3 | 2 |
| 84649 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4243108 | 1 of 4 | 2025-05-27 14:19 | Compliance | Federal - Homeownership Counseling Disclosure Delivery | The Homeownership Counseling Disclosure Sent Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Application date is XXXX and Homeowner Counseling was sent on XXXX. Double checked and there are no other copies found in the package. <br>|  | Document Uploaded. - 06/16/2025<br>| Received disclosure. Finding resolved - 06/17/2025<br>|  | 2025-06-17 15:17 | Resolved | 3 | 1 | 3 | 1 |
| 84649 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4243109 | 2 of 4 | 2025-05-27 14:19 | Compliance | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (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) Final CD discloses disbursment date of XXXX. Notice of Right to cancel discloses cancelation date of XXXX <br>|  | Document Uploaded. - 05/28/2025<br>| Received PCCD correcting disbursement date - 05/29/2025<br>|  | 2025-05-29 16:03 | Resolved | 3 | 1 | 3 | 1 |
| 84649 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4260637 | 3 of 4 | 2025-05-28 18:58 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-28 18:58 | Cleared | 1 | 1 | 3 | 1 |
| 84649 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4260642 | 4 of 4 | 2025-05-28 18:58 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-28 18:58 | Cleared | 1 | 1 | 3 | 1 |
| 83950 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4214914 | 1 of 3 | 2025-05-22 15:00 | Compliance | Federal - Homeownership Counseling Disclosure Delivery | The Homeownership Counseling Disclosure Sent Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The disclosure in the documents is dated XXXX and I was unable to located proof of an earlier electronic delivery. <br>|  | Document Uploaded. - 06/09/2025<br>| Received disclosure - 06/10/2025<br>|  | 2025-06-10 15:05 | Resolved | 3 | 1 | 3 | 2 |
| 83950 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4227089 | 2 of 3 | 2025-05-23 14:02 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-23 14:02 | Cleared | 1 | 1 | 3 | 2 |
| 83950 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4227096 | 3 of 3 | 2025-05-23 14:03 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. Subject DTI is 47.82. Borrower is a FTHB and per guidelines max DTI is 45%. <br>|  | Document Uploaded. Exception approval attached. Please clear condition. - 05/27/2025<br>| Approved exception provided to DTI of 47.862% for FTHB. - 05/28/2025<br>| Compensating factors listed as stable employment of 10 years, credit score 34 points over minimum requirement and 32 months extra reserves. | 2025-05-28 22:31 | Waived | 3 | 2 | 3 | 2 |
| 84650 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4319752 | 1 of 3 | 2025-06-03 20:13 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-03 20:13 | Cleared | 1 | 1 | 1 | 1 |
| 84650 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4323175 | 2 of 3 | 2025-06-03 20:25 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-03 20:25 | Cleared | 1 | 1 | 1 | 1 |
| 84650 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4323177 | 3 of 3 | 2025-06-03 20:26 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-03 20:26 | Cleared | 1 | 1 | 1 | 1 |
| 83951 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4219884 | 1 of 4 | 2025-05-22 19:57 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-22 19:57 | Cleared | 1 | 1 | 3 | 2 |
| 83951 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4237590 | 2 of 4 | 2025-05-24 17:57 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-24 17:57 | Cleared | 1 | 1 | 3 | 2 |
| 83951 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4238710 | 3 of 4 | 2025-05-25 23:20 | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. Document in file does not show borrower is XXXX of XXXX. <br>|  | Document Uploaded. CPA letter verifying ownership percentage is 95% is attached and 95% of net income on P&Ls used to qualify and CPA letter acceptable to verify ownership percentage per guidelines. Please clear condition. - 05/29/2025<br>| Received tax preparer letter dated XXXX which states borrower has 95% ownership in the company and that the borrower has been in business for a minimum of two years. - 05/30/2025 |  | 2025-05-30 16:21 | Resolved | 3 | 1 | 3 | 2 |
| 83951 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4238712 | 4 of 4 | 2025-05-25 23:24 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. Origination calculated borrower's wage earnings with XXXX using a 3.83 month year-to-date XXXX earnings of $XXXX, when borrower's two-year income average experienced a 20%+ downturn. A letter was provided regarding XXXX earnings downturn; however, this pertained to borrower's self employment income and did not address borrower's wage income downturn in the year XXXX as compared to XXXX. A 15.83 month average earnings of XXXX earnings results in monthly wage income of $XXXX, resulting in a revised DTI of 45.91% and exceeds maximum DTI requirement of 45.00% per guidelines. <br>|  | Document Uploaded. Amended exception approval attached. Please clear condition - 05/30/2025 <br>Document Uploaded. DTI exception approval attached, please clear condition - 05/29/2025<br>| 46% debt ratio on First Time Home Buyer transaction - A Formal exception is in file. - 06/02/2025<br>Received exception approval; however, the following compensating factor was not supported by documentation in file: 23 months reserves above required. After the subject transaction close and required minimum reserves of 6 months, the borrower had 18 months remaining reserves. Please modify compensating factor to reflect. - 05/30/2025<br>| Compensating factors used are 10 years self employment, Rent paid as agreed, Credit score 83 points above minimum requirement, and 12 months reserves above minimum required. | 2025-06-02 15:27 | Waived | 3 | 2 | 3 | 2 |
| 84651 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4362153 | 1 of 3 | 2025-06-06 15:40 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-06 15:40 | Cleared | 1 | 1 | 1 | 1 |
| 84651 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4371684 | 2 of 3 | 2025-06-07 13:57 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2025-06-07 13:57 | Cleared | 1 | 1 | 1 | 1 |
| 84651 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4371685 | 3 of 3 | 2025-06-07 13:57 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-07 13:57 | Cleared | 1 | 1 | 1 | 1 |
| 83952 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4226122 | 1 of 3 | 2025-05-23 12:47 | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. The Initial Closing Disclosure is not present in the loan documents therefore I was unable to run compliance. Upon receipt of the disclosure additional findings may be added. <br>|  | Document Uploaded. Initial CD attached. Please clear condition - 05/28/2025<br>| Received initial CD - 05/29/2025<br>|  | 2025-05-29 15:44 | Resolved | 4 | 1 | 4 | 1 |
| 83952 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4242093 | 2 of 3 | 2025-05-27 12:57 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-27 12:57 | Cleared | 1 | 1 | 4 | 1 |
| 83952 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4242095 | 3 of 3 | 2025-05-27 12:58 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-27 12:58 | Cleared | 1 | 1 | 4 | 1 |
| 84718 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4414713 | 1 of 4 | 2025-06-11 18:56 | Credit | Income - Comparable Rent Schedule Form 1007 Missing | The loan file did not contain the comparable rent schedule form 1007 as required. A 1007 or 1025 Comparable Rent Schedule survey prepared by the appraiser is required on all DSCR transactions. <br>|  |  | Document Uploaded. Waived by client, rental income not being used to qualify. - 06/18/2025<br>| 57 months additional reserves above required amount per guidelines.<br> Credit score 25 points higher than minimum required. | 2025-06-18 14:18 | Acknowledged | 3 | 2 | 3 | 2 |
| 84718 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4414863 | 2 of 4 | 2025-06-11 19:03 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-11 19:03 | Cleared | 1 | 1 | 3 | 2 |
| 84718 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4414864 | 3 of 4 | 2025-06-11 19:03 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-11 19:03 | Cleared | 1 | 1 | 3 | 2 |
| 84718 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4422150 | 4 of 4 | 2025-06-12 11:55 | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN documentation. Missing the EIN #/Tax identification number<br> Per guidelines<br> The following Entity documentation must be provided:<br> · Entity Articles of Organization, Partnership, and Operating Agreements (if applicable)<br> · Tax Identification Number<br> · Certificate of Good Standing <br>|  | Document Uploaded. - 06/12/2025<br>| documentation meet guideline requirements - 06/16/2025<br>|  | 2025-06-16 14:56 | Resolved | 3 | 1 | 3 | 2 |
| 84719 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4429357 | 1 of 3 | 2025-06-12 18:49 | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure was provided on (XXXX) via (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXX), for consummation to occur on (XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial Closing disclosure is not signed and I was unable to locate proof of electronic delivery. <br>|  | Document Uploaded. - 06/23/2025 <br>Document Uploaded. - 06/20/2025<br>| Received e-signed initial CD - 06/25/2025<br>Received copies of the Final Settlement Statement and CD, however this finding is for receipt of the Initial CD. Please provide documentation of the borrower's receipt of the Initial CD. - 06/23/2025<br>|  | 2025-06-25 13:00 | Resolved | 3 | 1 | 3 | 1 |
| 84719 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4497342 | 2 of 3 | 2025-06-19 13:06 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-19 13:06 | Cleared | 1 | 1 | 3 | 1 |
| 84719 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4497344 | 3 of 3 | 2025-06-19 13:07 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-19 17:35 | Cleared | 1 | 1 | 3 | 1 |
| 84720 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4445575 | 1 of 3 | 2025-06-13 19:55 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-13 19:55 | Cleared | 1 | 1 | 1 | 1 |
| 84720 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4497438 | 2 of 3 | 2025-06-19 13:15 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-19 13:15 | Cleared | 1 | 1 | 1 | 1 |
| 84720 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4497442 | 3 of 3 | 2025-06-19 13:15 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-19 13:15 | Cleared | 1 | 1 | 1 | 1 |
| 84652 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4317906 | 1 of 3 | 2025-06-03 18:52 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-03 18:52 | Cleared | 1 | 1 | 3 | 2 |
| 84652 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4317914 | 2 of 3 | 2025-06-03 18:52 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-03 18:52 | Cleared | 1 | 1 | 3 | 2 |
| 84652 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4349093 | 3 of 3 | 2025-06-05 17:44 | Credit | Subject property Short Term Rental Income does not meet qualification | Short term rental income is not properly documented and/or does not meet guidelines. Guidelines require for investment purchase transactions utilizing XXXX reports the following: Occupancy rate > 60%. Per XXXX summary analysis for the subject property, the occupancy rate is estimated at 50% which does not meet minimum guideline requirement and no approved exception was provided to address the matter. <br>|  | Document Uploaded. Exception approval to use XXXX w/50% occupancy rate attached. Used net rental income on XXXX to calculate DSCR which is XXXX /XXXX PITIA = 1.22. Please clear condition. - 06/11/2025 | Using XXXX market estimate with Occupancy Rate at 50% - A formal exception is in file. - 06/12/2025 | Compensating factors confirmed were As agreed mortgage history since XXXX, Credit score 149 points above minimum requirement, LTV 33% below maximum, and DSCR above minimum requirement. | 2025-06-12 19:43 | Waived | 3 | 2 | 3 | 2 |
| 84653 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4300688 | 1 of 3 | 2025-06-02 16:43 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-02 16:43 | Cleared | 1 | 1 | 3 | 1 |
| 84653 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4300694 | 2 of 3 | 2025-06-02 16:43 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-02 16:43 | Cleared | 1 | 1 | 3 | 1 |
| 84653 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4300697 | 3 of 3 | 2025-06-02 16:43 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-30 15:00 | Cleared | 1 | 1 | 3 | 1 |
| 84654 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4298117 | 1 of 3 | 2025-06-02 14:39 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-02 14:39 | Cleared | 1 | 1 | 3 | 1 |
| 84654 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4298118 | 2 of 3 | 2025-06-02 14:40 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-02 14:40 | Cleared | 1 | 1 | 3 | 1 |
| 84654 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4298188 | 3 of 3 | 2025-06-02 14:45 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-30 14:59 | Cleared | 1 | 1 | 3 | 1 |
| 84721 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4424087 | 1 of 3 | 2025-06-12 14:17 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-12 14:17 | Cleared | 1 | 1 | 3 | 1 |
| 84721 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4498151 | 2 of 3 | 2025-06-19 14:12 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Unable to locate the property tax documentation to support $XXXX monthly. <br>|  | Per the underwriter it was supposed to be 1.25% of the purchase price for XXXX property but he used higher amount indicated on 1008. Please clear condition. - 06/23/2025 | Received explanation. Guidelines do not specify using 1.25% protocol for XXXX property tax estimation. The Tax Information sheets in file were blank, and the borrowers chose to waive escrow so no impound estimate noted on the XXX Settlement Statement. Obtained subject property tax bill from XXXX website and confirmed tax rate of subject property is XXXX and total Direct Assessments for the property was $XXXX. Based on this information along with sales price of $XXXX, annual property tax calculation is $XXXX (($XXXX x XXXX%) + $XXXX), resulting in revised DTI of 46.71%. DTI maximum per guidelines is 50.0%. - 06/26/2025 |  | 2025-06-26 17:17 | Resolved | 3 | 1 | 3 | 1 |
| 84721 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4498795 | 3 of 3 | 2025-06-19 14:57 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-19 14:57 | Cleared | 1 | 1 | 3 | 1 |
| 84722 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4502311 | 1 of 3 | 2025-06-19 18:53 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-19 18:53 | Cleared | 1 | 1 | 3 | 2 |
| 84722 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4520836 | 2 of 3 | 2025-06-21 14:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-21 14:39 | Cleared | 1 | 1 | 3 | 2 |
| 84722 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4520838 | 3 of 3 | 2025-06-21 14:42 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Subject income documented using Business Bank Statements. The bank statements reflect 14 Overdraft/NSFs including 4 in the most recent 3 months. Guidelines allow only 1 in the most recent 3 months, but an exception was given to allow. The formal approved exception is missing compensating factors. <br>|  | Document Uploaded. - 06/25/2025<br>| 14 overdraft fees/four in the most recent three months when guidelines allow one overdraft fee in the most recent three months - A formal exception is in file. - 06/26/2025<br>| Compensating factors used were LTV is 10% below program maximum, 10 years subject property ownership, DTI 39% below program maximum, and Reserves 46 months above program minimum. | 2025-06-26 19:59 | Waived | 3 | 2 | 3 | 2 |
| 84655 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4333006 | 1 of 5 | 2025-06-04 16:47 | Credit | Cash To Borrower does not meet eligibility requirement(s) | It could not be determined if there was a cashout refinance in XXXX. The guidelines have stipulations for a 6 month seasoning period from the last cashout refinance. The appraiser states that the deed was transferred to the borrower for an amount of $XXXX and the property report reflects a commercial loan of $XXXX on XXXX. A closing statement would need to be provided to reflect if the mortgage was in fact a cash out refinance.  |  | Document Uploaded. XXXX on XXXX attached shows no cash out. Please clear condition. - 06/12/2025 | Received XXXX settlement statement for previous subject transaction which shows it was a rate/term refinance. - 06/13/2025 | Per the guidelines, | 2025-06-13 16:18 | Resolved | 3 | 1 | 3 | 1 |
| 84655 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4333026 | 2 of 5 | 2025-06-04 16:50 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Provide documentation to support HOA payment information for XXXX and XXXX. Also, provide documentation to support property tax payment for XXXX. <br>|  | Document Uploaded. Properties noted are not in PUD or condo and do not have HOA's but attached is property tax info on XXXX. Please clear condition. - 06/10/2025 | Received Property Report for primary residence which supports $XXXX monthly taxes ($XXXX annual). Received verbal no HOA on primary residence and XXXX properties. PerXXXX, no HOA dues noted for both properties and both properties were built early 20th century. - 06/12/2025 |  | 2025-06-12 17:11 | Resolved | 3 | 1 | 3 | 1 |
| 84655 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4333054 | 3 of 5 | 2025-06-04 16:51 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-04 16:51 | Cleared | 1 | 1 | 3 | 1 |
| 84655 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4333296 | 4 of 5 | 2025-06-04 17:07 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-04 17:07 | Cleared | 1 | 1 | 3 | 1 |
| 84655 |  |  | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4339235 | 5 of 5 | 2025-06-04 22:38 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The subject property was approved as an investment refinance transaction. However, the appraisal report noted that the subject property is owner-occupied. <br>|  | Document Uploaded. Appraisal with occupancy correction attached. Please clear condition - 06/26/2025<br>| Received corrected appraisal report. - 06/28/2025<br>|  | 2025-06-28 04:43 | Resolved | 3 | 1 | 3 | 1 |
| 84725 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4426836 | 1 of 3 | 2025-06-12 16:38 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-12 16:38 | Cleared | 1 | 1 | 1 | 1 |
| 84725 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4498393 | 2 of 3 | 2025-06-19 14:27 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-19 14:27 | Cleared | 1 | 1 | 1 | 1 |
| 84725 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4498400 | 3 of 3 | 2025-06-19 14:27 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-19 14:27 | Cleared | 1 | 1 | 1 | 1 |
| 84726 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4503095 | 1 of 3 | 2025-06-19 19:26 | Compliance | Federal - Qualified Mortgage Loan Features (01/14) | This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) . <br>|  | This is a XXXX program - 06/23/2025 | NA - 06/26/2025<br>|  | 2025-06-26 15:28 | Cleared | 3 | 1 | 3 | 1 |
| 84726 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4530706 | 2 of 3 | 2025-06-23 17:45 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-23 17:45 | Cleared | 1 | 1 | 3 | 1 |
| 84726 |  |  | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4530755 | 3 of 3 | 2025-06-23 17:47 | Credit | Assets - Earnest Money Deposit | The earnest money deposit was not properly documented and/or sourced. Total XXXX for the subject is $XXXX paid in two equal amounts of $XXXX. File contains 2 cashier's checks drawn from XXXX accounts. These amounts are not present on borrowers' bank statements. Provide documentation that these were borrower's funds. <br>|  | Document Uploaded. There was only one XXXX of $XXXX per the purchase contract. The borrower originally provided a cashier's check for $XXXX on XXXX to escrow and withdrew the funds from his business account. The Final Settlement Stmt shows it was refunded to business account. Attached is the documentation for the one XXXX used drawn from his personal account. Please clear condition. - 06/27/2025 | Documentation provided is sufficient. - 06/29/2025<br>|  | 2025-06-29 23:51 | Resolved | 3 | 1 | 3 | 1 |

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## Exhibit 99.47

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.47**

![](maxwell-logo.jpg)

Client MFA Financial <br> Transaction MFA 2025-NQM3 <br> Date 07/10/2025

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 82135 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 82137 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| 82142 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83806 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 82278 |  |  | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| 83807 |  |  | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| 83938 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B A |
| 82828 |  |  | XXXX | XXXX | 4 | 2 | 4 | 2 | 1 | 1 | 1 | 1 D B A |
| 82833 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B A |
| 83668 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83669 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83808 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83552 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| 83554 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| 83043 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 83670 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 83044 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83671 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83672 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 83673 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 2 | 1 D A |
| 83809 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83674 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83939 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 83560 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83810 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 83811 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83812 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 D B A C |
| 83675 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83676 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83677 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 83815 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83941 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 83942 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83816 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 83943 |  |  | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| 84643 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83817 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83944 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 84644 |  |  | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| 84645 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83818 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83945 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83946 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| 83947 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83948 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 84649 |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| 83950 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| 84650 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83951 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 84651 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 83952 |  |  | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| 84718 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 84719 |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| 84720 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 84652 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 84653 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| 84654 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| 84721 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 84722 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 84655 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 84725 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 84726 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |

---

## Exhibit 99.48

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.48**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 82135 |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82137 |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82142 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0178 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0178 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83806 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.03 | 68.03 | XXXX | XXXX | .0204 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0204 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82278 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0100 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0100 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83807 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 30.26 | 30.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83938 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82828 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0098 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0098 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 82833 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.82 | 42.02 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83668 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83669 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.97 | 68.97 |  |  |  |  |  |  |  |  | XXXX | XXXX | .0086 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83808 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83552 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.98 | 74.98 |  |  |  |  |  |  |  |  | XXXX | XXXX | .0526 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83554 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 25.0 | 29.41 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83043 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83670 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 38.71 | 38.71 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83044 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.33 | 58.33 | XXXX | XXXX | .0050 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0050 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83671 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0435 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0435 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83672 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0182 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0182 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83673 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83809 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83674 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.23 | 53.23 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83939 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.99 | 64.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83560 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | XXXX | XXXX | .0256 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83810 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.17 | 44.17 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83811 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83812 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | XXXX | XXXX | .0086 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83675 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83676 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 11.15 | 64.42 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83677 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 52.2 | 52.2 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83815 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83941 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83942 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.78 | 74.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83816 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XXXX | XXXX | .0044 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83943 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 40.0 | 40.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84643 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 41.71 | 41.71 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83817 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83944 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84644 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84645 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 22.55 | 22.55 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83818 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83945 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83946 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 40.29 | 40.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83947 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83948 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84649 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 21.05 | 45.34 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83950 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84650 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 6.99 | 62.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83951 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84651 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 6.76 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 83952 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84718 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84719 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84720 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 20.0 | 20.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84652 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.67 | 46.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84653 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84654 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84721 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.8 | 51.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84722 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84655 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84725 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84726 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0519 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0519 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.49

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.49**

---

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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** | **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** | **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** | **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 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 Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent 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)** | **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** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** |
| 82135 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 39.52% | 39.52% | 39.52% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | 60 | No | Yes | N/A | 3 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO - Personal Bank Statements Verified, Lease Agreements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.6 | XXXX | 4.6 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Rate and Term | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 82137 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 3.53% | 3.53% | 3.53% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 24 | CPA | N/A | N/A | 0 | Yes | 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), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 61.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Home Improvement/Reno | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 24 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 82142 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 42935.33 | XXXX | 6.980% | Manual Underwriting | Manual Underwriting | No | 8.022% |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 39.65% | 39.82% | 39.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Audited | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | 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 | Passport |  | XXXX | XXXX | XXXX | Brazil | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11 | XXXX | 11 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 6 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83806 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 43535.37 | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.740% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX | XXXX |  | Annually | 31.92% | 31.92% | 31.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 139 | 25 | XXXX |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 759 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 45 | XXXX | 45 | No | 68.03 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 11.33 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 82278 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 36177.50 | XXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.778% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 24.02% | 24.02% | 24.02% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 33.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower - 1 YR Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 757 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 59.2 | XXXX | 59.2 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 2 |  |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 83807 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 9665.00 | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.205% |  | 6.990% | 6.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | Yes | Yes | N/A | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - N/A - Personal Bank Statements Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9 | XXXX | 11.8 | No | 30.26 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83938 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 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 | 0.992 | 0.993 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  | $N/A | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 36.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 82828 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 85409.44 | XXXX | 6.660% | Manual Underwriting | Manual Underwriting | No | 8.417% |  | 8.125% | 8.125% | XXXX | Yes | 5.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX | XXXX |  | Monthly | 37.35% | 35.66% | 35.66% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 1 | 0 | 1 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% | Stocks/Bonds | Borrower Prepared | 12 | Borrower | Borrower Prepared | Borrower | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, SEPartnership, SEPartnership, 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), 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), Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified(1065, 1120S), YTD Profit And Loss Verified - 2023, 2024 \|\| Co Borrower - SESCorp, SEPartnership, SEPartnership - 1 YR Business Tax Returns Verified(1065, 1120S), YTD Profit And Loss Verified - 2023, 2024 | Borrower - 1 YR Business Tax Returns Verified(1065, 1120S) - 2023, 2024 \|\| Co Borrower - 1 YR Business Tax Returns Verified(1065, 1120S) - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 793 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.8 | XXXX | 17.8 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | ARM | Conventional | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 9.50 | 9.50 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 82833 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 66298.75 | XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.259% |  | 8.125% | 9.546% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 33.52% | 33.52% | 37.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 820 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | Closed End |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 22.2 | No | 42.02 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | ARM | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 26.17 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83668 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 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 | 1.022 | 1.02 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 661 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 18.7 | No | 65 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 83669 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 111790.00 | XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 8.548% |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 33.92% | 33.92% | 33.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 3 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, 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) - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 1 YR Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.5 | XXXX | 13.5 | No | 68.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | ARM | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 12.67 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83808 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 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 |  | 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 | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 87.5 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83552 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 85390.00 | XXXX | 6.680% | Manual Underwriting | Manual Underwriting | No | 8.287% |  | 8.125% | 8.000% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 37.26% | 37.84% | 37.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 794 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 28.2 | XXXX | 28.2 | No | 74.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | ARM | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 10.17 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83554 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 42165.00 | XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 8.172% |  | 8.125% | 8.000% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 26.39% | 26.92% | 29.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 14 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | HELOC | XXXX | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27.5 | No | 29.41 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | ARM | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 26.08 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83043 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 94602.50 | XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.279% |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Annually | 20.82% | 20.82% | 20.82% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Audited | 13 | CPA | N/A | N/A | 0 | Yes | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 776 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7 | XXXX | 6.3 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 5.00 | 0.00 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 83670 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 10835.00 | XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.267% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Annually | 16.02% | 16.14% | 16.14% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | 60 | No | No | N/A | 0 | 0 | Yes | N/A | 3 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) \|\| Co Borrower - Asset Depletion - Personal Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 818 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 579.1 | XXXX | 579.1 | No | 38.71 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 | 0.00 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 83044 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $13125.00 | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 13.42% | 13.42% | 13.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 88.33% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 55.7 | XXXX | 55.7 | No | 58.33 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 10.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83671 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 120442.60 | XXXX | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.300% |  | 6.990% | 6.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Annually | 4.49% | 4.49% | 4.49% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 1 | XXXX |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2022, 2023, 2025, 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | 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 |  | XXXX | USA | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 132 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 4.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83672 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | Yes | 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 - N/A - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 721 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 710.6 | XXXX | 710.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 2 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83673 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 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 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 18.4 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83809 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 35.52% | 35.52% | 35.52% | 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% |  |  | Third-Party Prepared (Unaudited) | 14 | CPA |  |  |  | Yes | 41 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 58.9 | XXXX | 58.9 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 15.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83674 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 32.38% | 32.38% | 32.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 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, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 51.1 | No | 53.23 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 4.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83939 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 9.83% | 9.77% | 9.77% | Yes | Unknown |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A |  | 0 | 0 |  | No | 0 |  | No | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.3 | XXXX | 110.7 | No | 64.99 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 9 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83560 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXX | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.693% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 11.66% | 11.85% | 11.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | No | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 816 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.5 | XXXX | 16.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 20 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83810 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 14302.50 | XXXX | 6.810% | Manual Underwriting | Manual Underwriting | No | 8.269% |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 45.29% | 46.53% | 46.53% | No |  |  |  |  |  |  |  | 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% |  |  | Third-Party Prepared (Unaudited) | 14 | Accountant/Bookkeeper |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | XXXX | XXXX | 1 |  | XXXX |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 4.1 | No | 44.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 27.25 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83811 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 15423.92 | XXXX | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.120% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX | XXXX | Annually | 38.25% | 38.25% | 38.25% | No |  |  |  |  |  |  |  | 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 |  |  |  | -13.60% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | 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) - YTD Profit And Loss Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.9 | XXXX | 6.9 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Limited Cash Out - <2% of Loan Amount or $2000 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 6 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83812 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 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 | 1.482 |  |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.5 | XXXX | 15.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83675 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 3365.00 | XXXX | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.772% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 29.82% | 29.82% | 29.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | XXXX |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 45.5 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 0.17 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83676 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12831.67 | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 10.962% |  | 10.625% | 10.625% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX | XXXX |  | Monthly | 33.84% | 33.84% | 33.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 39 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 19.7 | No | 64.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 5.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83677 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 10090.00 | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.331% |  | 6.990% | 6.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | XXXX |  | Monthly | 39.60% | 39.59% | 39.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | Audited | 14 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 49.4 | XXXX | 49.4 | No | 52.2 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 10.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83815 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 44.13% | 44.18% | 44.18% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 67.81% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 27 | Tax Preparer |  |  |  | Yes | 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), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 84.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 2 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 15.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83941 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 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 | 1.098 | 1.099 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 791 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7 | XXXX | 7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 3 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83942 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 42640.00 | XXXX | 6.700% | Manual Underwriting | Manual Underwriting | No | 7.302% |  | 6.990% | 6.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 38.76% | 38.75% | 38.75% | 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 |  |  | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 21 | No | 74.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 30.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83816 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 35.96% | 35.96% | 35.96% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 35 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | XXXX | 17.1 | XXXX | 17.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 20.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83943 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 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 | 1.152 | 1.118 | Yes | 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 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 700 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 26.2 | No | 40 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84643 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 9585.00 | XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.543% |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 49.79% | 49.79% | 49.79% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | NA | 0 | No | 0 | Yes | 24 | 24 | XXXX | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 673 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10 | XXXX | 14.6 | No | 41.71 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0.11 | 24 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 83817 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 13827.03 | XXXX | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.453% |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 44.17% | 44.17% | 44.17% | No | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 813 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 19.8 | XXXX | 19.8 | No | 65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | 0.00 | 4.00 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 83944 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 12657.50 | XXXX | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.351% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 2.56% | 2.57% | 2.57% | Yes |  |  |  |  |  |  |  | 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 | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 538.2 | XXXX | 538.2 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | Yes | 15.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84644 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 8990.00 | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.483% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 45.80% | 45.83% | 45.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 16 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.5 | XXXX | 0.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 8.92 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84645 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9927.00 | XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.183% |  | 6.750% | 6.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XXXX | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | Yes | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - N/A \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 793 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 223.1 | XXXX | 401.2 | No | 22.55 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 | 0.00 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 83818 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 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 | 0.775 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.2 | XXXX | 108.1 | No | 55 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83945 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 24215.00 | XXXX | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.844% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Annually | 30.73% | 30.73% | 30.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 757 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 55.5 | XXXX | 55.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 4.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83946 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 42.44% | 42.44% | 42.44% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.8 | No | 40.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 29.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83947 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 40584.00 | XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.667% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | Yes | 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 - N/A | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 757 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 114.6 | XXXX | 208.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83948 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6255.00 | XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.817% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 60 | Yes | 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 - N/A - Lease Agreements Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 777 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.2 | XXXX | 10.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84649 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4780.00 | XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 9.847% |  | 9.750% | 9.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 43.90% | 43.73% | 43.73% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 5.89% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | 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) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 44.4 | No | 45.34 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 20.00 | 0.00 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 83950 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 13348.88 | XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.793% |  | 7.490% | 7.490% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Annually | 47.86% | 47.86% | 47.86% | 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 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.8 | XXXX | 4.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 25.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84650 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 14290.00 | XXXX | 6.740% | Manual Underwriting | Manual Underwriting | No | 10.295% |  | 9.875% | 9.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Annually | 6.54% | 6.93% | 6.93% | 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% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 11 | No | 62.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 13.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 83951 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 10790.00 | XXXX | 6.800% | Manual Underwriting | Manual Underwriting | No | 7.789% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | XXXX |  | Monthly | 44.17% | 45.91% | 45.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | ALT DOC | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 95.00% |  |  | Third-Party Prepared (Unaudited) | 16 | Tax Preparer |  |  |  | Yes | 24 | No |  | Yes | 34 | 34 | XXXX |  |  | 0 |  | No | 0 |  | Yes | Borrower - SECorporation, Wage - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.7 | XXXX | 18.7 | No | 80 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 10.33 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84651 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 16178.00 | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 10.475% |  | 10.000% | 10.000% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 44.26% | 44.37% | 44.37% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 65.23% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 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), 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) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 11.1 | No | 65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | No | 23.50 | 23.50 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 83952 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 8828.40 | XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.732% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Annually | 41.09% | 41.09% | 41.09% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | Yes | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion - 1 YR Executed 4506T Verified - 2025 - 2025 | Borrower - 1 YR Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 130 | XXXX | 154.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84718 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | Yes | XXXX | XXXX | 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 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 765 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 80.4 | XXXX | 80.4 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 | 0.00 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 84719 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 11078.00 | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.889% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 21.71% | 21.71% | 21.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 24 | No |  |  |  | 95.13% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 711 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.2 | XXXX | 17.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 19.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84720 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 18085.00 | XXXX | 6.740% | Manual Underwriting | Manual Underwriting | No | 7.540% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 29.63% | 29.63% | 29.63% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | Yes | 120 | Yes | 120 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 18.9 | No | 20 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | N/A - Not investment property | 30.00 | 20.00 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 84652 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XXXX | 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% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.428 | 1.428 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 809 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.3 | XXXX | 11.3 | No | 46.67 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84653 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 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 | 0.941 |  |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 82.9 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84654 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 57.6 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84721 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 13602.50 | XXXX | 6.800% | Manual Underwriting | Manual Underwriting | No | 7.113% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | XXXX |  | Monthly | 45.82% | 46.71% | 46.71% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | 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 | NA | 0 | No | 0 | Yes | 28 | 28 | Other | Yes | 28 | 28 | Other | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX | Permanent Resident Alien |  | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.9 | XXXX | 22.9 | No | 51.8 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | No | 40.00 | 6.00 |  |  | N/A | N/A |  |  | XXXX | XXXX |
| 84722 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 29740.01 | XXXX | 6.920% | Manual Underwriting | Manual Underwriting | No | 8.261% |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 10.33% | 10.33% | 10.33% | 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 | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | 664 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 48.9 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 20.08 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84655 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 103493.78 | XXXX | 6.800% | Manual Underwriting | Manual Underwriting | No | 8.236% |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 42.93% | 43.72% | 43.72% | 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 | 16 | CPA |  |  |  | Yes | 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) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 14.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 20 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 84725 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 18288.13 | XXXX | 6.800% | Manual Underwriting | Manual Underwriting | No | 7.573% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | Yes | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - N/A \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 783 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  | US |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 265.8 | XXXX | 265.8 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  | 2.00 |  | N/A | N/A |  |  | XXXX | XXXX |
| 84726 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 24350.00 | XXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 8.002% |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 40.54% | 40.55% | 39.26% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 16 | CPA | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 32 | 29 | FNMA 1005 | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 776 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.4 | XXXX | 14.4 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 13.75 | 5.00 |  |  | N/A | N/A |  |  | XXXX | XXXX |

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## Exhibit 99.50

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.50**

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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** |
| 82135 |  | XXXX | XXXX | XXXX | Asset Depletion – Debt Ratio Calculation | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 4.58 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 82137 |  | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 61.09 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 83938 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | XXXX | Appraisal - 1007 | No | 100.85 | 0.993 | 0.992 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 36.06 | Yes | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 83668 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 97.81 | 1.02 | 1.022 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 19.5 | 1 | 1 | N/A | 18.66 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 83808 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 99.14 | 1 | 1.009 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 87.47 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 83044 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 55.66 | Yes | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 83672 |  |  | XXXX | XXXX | Asset Utilization (No DTI) | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 710.63 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| 83673 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Missing |  | N/A |  |  | XXXX | Missing | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 18.44 | Yes | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 83809 |  |  | XXXX | XXXX | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 58.9 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 83674 |  |  | XXXX | XXXX | 24 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  |  |  |  |  |  |  |  |  | No | 9.9 | 1 | 1 | N/A | 51.13 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 83939 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  |  |  |  |  |  |  |  |  | No | 2.1 | 1 | 1 | N/A | 110.71 | Yes | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | n/a | n/a |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| 83812 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | Other | 1 |  | XXXX | Other | Yes | 67.48 |  | 1.482 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 15.47 | No |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 83815 |  |  | XXXX | XXXX | 2YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.5 | 1 | 1 | N/A | 84.84 | Yes | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 83941 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 |  |  |  |  | XXXX | Actual In Place Rent | No | 91.04 | 1.099 | 1.098 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX | 12 | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 6.98 | Yes | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 83816 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 17.05 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 83943 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | XXXX | Appraisal - 1007 | No | 86.78 | 1.118 | 1.152 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 26.2 | Yes | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 83818 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 128.97 | 0 | 0.775 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 108.07 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 83946 |  |  | XXXX | XXXX | 24 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 28.81 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| 84718 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Missing |  | N/A |  |  | XXXX | Missing | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 80.36 | Yes | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| 84652 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX | 12 |  | XXXX | XXXX | Yes | 70.01 | 1.428 | 1.428 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 11.25 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 84653 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | XXXX | Appraisal - 1007 | No | 106.26 |  | 0.941 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  | No | 7 | 1 | 1 | N/A | 82.93 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 84654 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 99.92 | 1.001 | 1.001 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | XXXX |  |  |  |  |  |  | No | No | 19.1 | 2 | 1 | N/A | 57.64 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 84655 |  |  | XXXX | XXXX | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 14.8 | Yes | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.51

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.51**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 82135 |  | XXXXXX | Qualifying FICO | XXXXXX | XXXXXX | XXXXXX |
| 82135 |  | XXXXXX | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 82135 |  | XXXXXX | Reviewed Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 82137 |  | XXXXXX | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 82142 |  | XXXXXX | Reviewed Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 82828 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 82828 |  |  | Reviewed Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 83668 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 83808 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 83554 |  |  | Reviewed Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 83044 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 83672 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 83673 |  |  | Escrow Indicator | XXXXXX | XXXXXX | XXXXXX |
| 83809 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 83939 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 83810 |  |  | Reviewed Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 83811 |  |  | Escrow Indicator | XXXXXX | XXXXXX | XXXXXX |
| 83816 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 83817 |  |  | Qualifying FICO | XXXXXX | XXXXXX | XXXXXX |
| 83944 |  |  | Occupancy | XXXXXX | XXXXXX | XXXXXX |
| 83946 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 83947 |  |  | Occupancy | XXXXXX | XXXXXX | XXXXXX |
| 84649 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 83951 |  |  | Reviewed Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 84652 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 84653 |  |  | Verified Doc Type | XXXXXX | XXXXXX | XXXXXX |
| 84653 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 84654 |  |  | Verified Doc Type | XXXXXX | XXXXXX | XXXXXX |
| 84654 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 84721 |  |  | Reviewed Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 84721 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |
| 84655 |  |  | Reviewed Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 84655 |  |  | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.52

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.52**

![](ex9952001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by MFA Financial, Inc. ("Client"). The review was conducted between December 2021 and April 2022 via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 3 Non-QM loans and 1 ATR/QM exempt loans for a total of 4 loans the "Final Securitization Population".

*<u>Credit Reviews (4):</u>*

During the Review, Selene performed a credit review on 4 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (4)</u>*

During the Review, Selene performed a compliance review, when applicable on 4 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (4):</u>*

During the Review, Selene performed a property valuation review on 4 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (4):</u>*

During the Review, Selene performed a Data Integrity Review on 4 mortgage loans in the Final Securitization Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 4 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |

---

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

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

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

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

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

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

**<u>GUIDELINES</u>**

EC NonQM Investor Eligibility Guidelines (the "Guidelines")

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

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

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

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied

Page **2** of **15**

MFA 2025-NQM3 Executive Summary (Selene Diligence LLC)

on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

 **CREDIT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
 asset statements to determine whether funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

 **PROPERTY VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

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

 **DATA INTEGRITY REVIEW**

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

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

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

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

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

Page **3** of **15**

MFA 2025-NQM3 Executive Summary (Selene Diligence LLC)

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

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 4 mortgage loans, (ii) a Compliance Review on 4 mortgage loans (iii) a Valuation Review on 4 mortgage loans, and (iv) a Data Integrity Review on 4 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**<u>REVIEW RESULTS SUMMARY</u>**

After review of the 4 mortgage loans; 3 mortgage loans had a rating grade of A, 1 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;***Grades per loan (4 overall loans):*** | &nbsp;&nbsp;***Grades per loan (4 overall loans):*** | &nbsp;&nbsp;***Grades per loan (4 overall loans):*** | &nbsp;&nbsp;***Grades per loan (4 overall loans):*** |  |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |  |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |
|  |  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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MFA 2025-NQM3 Executive Summary (Selene Diligence LLC)

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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

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

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are

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designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

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

Selene furnished the following reports on this transaction:

1. Selene
Due Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

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**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

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MFA 2025-NQM3 Executive Summary (Selene Diligence LLC)

**Asset Review**

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

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

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

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

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

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

**Hazard/Flood insurance** 

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

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

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

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

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

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

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

**Title**

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

**Fraud**

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

On this Fraud report Selene:

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

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

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

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

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

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

**Additional Review**

Selene's review procedures also included:

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

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

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

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

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

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

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

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MFA 2025-NQM3 Executive Summary (Selene Diligence LLC)

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that
 contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review
 for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable,
 on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure;
 and (ii) verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time.

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**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

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**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL
 Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK
 Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository Institution
 Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ
 Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA
 AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO
 Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO
 Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE
 Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington,
 DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington,
 DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL
 Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA
 Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW
 Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign
 Lender License - Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID
 Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN
 Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA
 Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker
 Registrant- Mortgage Broker License- Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS
 Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA
 Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA
 Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD
 Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland
 Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI
 Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN
 Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS
 Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO
 Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT
 - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC
 Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND
 Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE
 Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH
 First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker
 License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ
 Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM
 Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH
 Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit
 County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit
 County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK
 Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced
 amendments)

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&nbsp;&nbsp;&nbsp;&nbsp;38. OR
 Consumer Finance License – Consumer Finance Registration – Mortgage Lender
 License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA
 Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI
 Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD
 Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT
 Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA
 Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA
 House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 –
 Consumer Loan Company License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV
 Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY
 Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender
 Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA
 AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions -
 Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT
 Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT
 Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL
 Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL
 High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago,
 IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook
 County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY
 Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME
 Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime,
 Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions
 and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA
 High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices
 Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's
 Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC
 Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV
 Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY
 GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY
 Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY
 Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH
 Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI
 Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC
 High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX
 Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT
 High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT
 High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI
 VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI
 Responsible High Cost Mortgage Lending Act

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**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ 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.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

MFA 2025-NQM3 Executive Summary (Selene Diligence LLC)

## Exhibit 99.53

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.53**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 61910 |  |  | $XXX.XX D A |
| 61321 |  |  | $XXX.XX A |
| 61275 |  |  | $XXX.XX C D A B |
| 62264 |  |  | $XXX.XX D A |

---

## Exhibit 99.54

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.54**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| XXX | 61910 |  |  | Closed | 2021-12-29 16:48 | 2022-01-19 21:00 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/19/2022 <br>Resolved-Documentation provided as requested. Finding resolved. - Due Diligence Vendor-12/29/2021 <br>Ready for Review-Document Uploaded. THIS WAS IN THE ORIGINAL CREDIT PKG - Seller-12/29/2021 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-12/07/2021 | Ready for Review-Document Uploaded. THIS WAS IN THE ORIGINAL CREDIT PKG - Seller-12/29/2021<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/19/2022 <br>Resolved-Documentation provided as requested. Finding resolved. - Due Diligence Vendor-12/29/2021<br>| XXX |  |  | CA | Primary Residence | Purchase | NA | XXX | N/A | N/A |
| XXX | 61275 |  |  | Closed | 2022-05-20 14:04 | 2022-09-30 22:39 | Waived | 2 - Non-Material C B | Compliance | Closing | Mortgage not properly executed | Waived-XX loans to one borrower - Due Diligence Vendor-09/30/2022 <br> Waived-1031 exchange, he owns the LLC, selling to himself. 791 Fico, good credit. See pg 2<br> approved by XXX - Due Diligence Vendor-09/28/2022 <br> Waived-Exception on file for borrower having XX loans with lender. Please refer to page. 2. - Due Diligence Vendor-05/20/2022 |  | Waived-XX loans to one borrower - Due Diligence Vendor-09/30/2022 <br> Waived-1031 exchange, he owns the LLC, selling to himself. 791 Fico, good credit. See pg 2<br> approved by XXX - Due Diligence Vendor-09/28/2022 <br> Waived-Exception on file for borrower having XX loans with lender. Please refer to page. 2. - Due Diligence Vendor-05/20/2022 |  |  | FICO 791<br> LTVV 76.176%<br> Cash in Hand $95,84.67 | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | XXX | Originator Pre-Close | Yes |
| XXX | 61275 |  |  | Closed | 2022-05-12 17:17 | 2022-05-12 18:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor-05/12/2022 <br>Ready for Review-Document Uploaded. - Seller-05/12/2022 <br>Open-Please provide Stamped/ Certified Final HUD-1/Settlement Statement. - Due Diligence Vendor-02/16/2022 <br>Open-Final HUD-1 Document is Missing Missing certified stamp on settlement statement - Due Diligence Vendor-01/05/2022 | Ready for Review-Document Uploaded. - Seller-05/12/2022<br>| Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor-05/12/2022<br>| XXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | XXX | N/A | N/A |
| XXX | 61275 |  |  | Closed | 2022-02-15 21:55 | 2022-02-16 17:00 | Resolved | 1 - Information C A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Client provided 1008. Finding resolved. - Due Diligence Vendor-02/16/2022 <br>Ready for Review-Document Uploaded. - Seller-02/15/2022 <br>Open-The 1008 in the file is showing the incorrect loan amount. - Due Diligence Vendor-01/05/2022 | Ready for Review-Document Uploaded. - Seller-02/15/2022<br>| Resolved-Client provided 1008. Finding resolved. - Due Diligence Vendor-02/16/2022<br>| XXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | XXX | N/A | N/A |
| XXX | 62264 |  |  | Closed | 2022-04-18 23:15 | 2022-04-19 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/19/2022 <br>Ready for Review-ITIN program only requires evidence of ITIN not residency - Seller-04/18/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing Citizenship docs for the borrower. - Due Diligence Vendor-01/14/2022 | Ready for Review-ITIN program only requires evidence of ITIN not residency - Seller-04/18/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/19/2022<br>|  |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXX | N/A | N/A |

---

## Exhibit 99.55

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.55**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 61910 |  |  | XX/XX/XXXX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX.XX | 80 | 80 | $XXX.XX | $XXX.XX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX.XX | $XXX.XX | .0000 | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61321 |  |  | XX/XX/XXXX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX.XX | 79.76 | 79.76 | $XXX.XX | $XXX.XX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX.XX | $XXX.XX | .0000 | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61275 |  |  | XX/XX/XXXX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | XX/XX/XXXX | 1004 URAR | $XXX.XX | 80 | 80 | $XXX.XX | $XXX.XX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX.XX | $XXX.XX | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62264 |  |  | XX/XX/XXXX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | XX/XX/XXXX | 1004 URAR | $XXX.XX | 62.18 | 62.18 | $XXX.XX | $XXX.XX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX.XX | $XXX.XX | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.56

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.56**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 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 | 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 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 |
| **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 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 WVOE Flag** | **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)** | **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** |
| 61910 |  |  | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | $XXX.XX | XX/XX/XXXX | X.XX% | Manual Underwriting | Manual Underwriting | No | X.XX% |  | 4.625% | 4.625% | $XXX.XX | No |  | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | Yes |  | CA | $XXX.XX |  | Monthly | 16.31% | 16.31% | 16.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | XXX | XXX | XXX | XXX | CA | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | false | N/A | 53116.95 | 31 | 53116.95 | 31 |  | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 61321 |  |  | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | $XXX.XX | XX/XX/XXXX | X.XX% | Manual Underwriting | Manual Underwriting | No | X.XX% |  | 4.250% | 4.250% | $XXX.XX | No |  | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | Yes |  | CA | $XXX.XX |  | Monthly | 42.81% | 41.74% | 41.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Accountant/Bookkeeper | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | XXX | XXX | XXX | XXX | CA | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | false | N/A | 8500.99 | 5 | 8500.99 | 5 |  | 79.76 | Yes | No | No |  | Borrower As Individual | N/A | N/A | N/A |
| 61275 |  |  | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | Appendix Q Documentation | $XXX.XX | XX/XX/XXXX | X.XX% | Manual Underwriting | Manual Underwriting | No | X.XX% |  | 4.500% | 4.250% | $XXX.XX | No |  | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | N/A |  |  | $XXX.XX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  |  | NA | 0 | No |  | NA | 0 | 0 | NA |  | 0 |  | Yes | 1.31 | 1.31 |  | XXX | XXX | XXX | XXX | AZ | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 2518911.15 | 1140.5 | 2518911.15 | 1140.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 62264 |  |  | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | $XXX.XX | XX/XX/XXXX | X.XX% | Manual Underwriting | Manual Underwriting | No | X.XX% |  | 4.600% | 4.600% | $XXX.XX | No |  | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | No |  | NV | $XXX.XX |  | Monthly | 42.81% | 42.82% | 42.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 1 Month NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 2 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 | NA | 0 | No | 0 | Yes | 10 | 0 | FNMA 1005 NA | 0 | 0 | N/A | No | 0 |  |  | XXX | XXX | XXX | XXX | NV | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 648 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | ITIN program, ITIN only requirement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | false | N/A | 27487.13 | 13 | 27487.13 | 13 |  | 0 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.57

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.57**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **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** |
| XXX | 61275 |  |  | XXX | XXX | Debt Service Coverage Ratio | Present | No | 0 | $XXX.XX | Appraisal |  |  |  |  | $XXX.XX | Appraisal | No | 76.16 | 1.31 | 1.31 | $XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXX.XX |  |  |  |  |  |  |  |  |  |  | No | No | XX | XX | 1 | N/A | 1140.45 | No |  |  | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.58

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.58**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 61910 |  |  | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | (ALT30) 30 YR FIXED PRIME | NA | As per Documents Updated |
| 61910 |  |  | XXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Manual Underwriter |
| 61910 |  |  | XXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.31 | 50% | As Per The Documents Updated |
| 61275 |  |  | XXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W Per 1008 |
| 62264 |  |  | XXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Verified is Manual Underwriting |

---

## Exhibit 99.59

[MFA 2025-NQM3 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.59**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 61910 |  | XXX | XXX | XXX | US Citizen | Yes | true | XX/XX/XXXX | 668 | 668 | 655 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | CA | XXX | XXX | ALT DOC | Primary Residence | Purchase | NA | 8.14 | 16.31 | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | Employed |  |  |  | XXX |  |  |  | XXX |  | $XXX.XX | Partial | XX | $XXX.XX | $XXX.XX | $XXX.XX | 80 | 80 | 80 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | 4.625 | 4.625 | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | XX/XX/XXXX | Fixed | 360 | 360 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false |  | 0 | No Prepayment Penalty | Retail | No |  |  |  |  | Yes | XXX | XXX | XX | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX.XX | XX/XX/XXXX | Desk Review | $XXX.XX | $XXX.XX | $XXX.XX |  |  | $XXX.XX | No | XXX |  | $XXX.XX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | $XXX.XX | XX | $XXX.XX | XX | XX | XXX | XX | No | N/A | Manual Underwriting | $XXX.XX | X.XX% | Yes | No | XXX | XXX |  |
|  | 61321 |  | XXX | XXX | XXX | US Citizen | Yes | true | XX/XX/XXXX | 800 | 806 | 800 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | CA | XXX | XXX | ALT DOC | Primary Residence | Purchase | NA | 31.86 | 41.74 | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | Employed |  |  |  | XXX |  |  |  | XXX |  | $XXX.XX | No | XX | $XXX.XX | $XXX.XX | $XXX.XX | 79.76 | 79.76 | 79.76 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | 4.25 | 4.25 | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | XX/XX/XXXX | Fixed | 240 | 360 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | false |  | 0 | No Prepayment Penalty | Wholesale | No |  |  |  |  | Yes | XXX | XXX | XX | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX.XX | XX/XX/XXXX | Desk Review | $XXX.XX | $XXX.XX | $XXX.XX |  |  | $XXX.XX | No | XXX |  | $XXX.XX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | $XXX.XX | XX | $XXX.XX | XX | XX | XXX | XX | No | N/A | Manual Underwriting | $XXX.XX | X.XX% | No | No | XXX | XXX |  |
|  | 61275 |  | XXX | XXX | XXX | US Citizen | No | false | XX/XX/XXXX | 781 | 711 | 781 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | AZ | XXX | XXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX |  |  |  |  | XXX |  |  |  | XXX |  | $XXX.XX | No | XX | $XXX.XX | $XXX.XX | $XXX.XX | 80 | 80 | 80 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | 4.5 | 4.5 | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | XX/XX/XXXX | Fixed | 360 | 480 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | false |  | 36 | 6 Months Interest | Wholesale | No |  |  |  |  | Yes | XXX | XXX | XX | XXXX | XX/XX/XXXX | 1004 URAR | $XXX.XX | XX/XX/XXXX | Desk Review | $XXX.XX | $XXX.XX | $XXX.XX |  |  | $XXX.XX | No | XXX |  | $XXX.XX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | $XXX.XX | XX | $XXX.XX | XX | XX | XXX | XX | No | N/A | Manual Underwriting | $XXX.XX | X.XX% |  |  | XXX | XXX | No |
|  | 62264 |  | XXX | XXX | XXX | Non Permanent Resident Alien | No | false | XX/XX/XXXX | 648 | 648 | 653 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | NV | XXX | XXX | Full Doc | Primary Residence | Refinance | Rate and Term | 32.01 | 42.82 | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | Employed |  |  |  | XXX |  |  |  | XXX | $XXX.XX | $XXX.XX | Yes | XX | $XXX.XX | $XXX.XX | $XXX.XX | 62.18 | 62.18 | 62.18 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | 4.6 | 4.6 | $XXX.XX | $XXX.XX | $XXX.XX | $XXX.XX | XX/XX/XXXX | Fixed | 360 | 360 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false |  | 0 | No Prepayment Penalty | Wholesale | No |  |  |  |  | Yes | XXX | XXX | XX | XXXX | XX/XX/XXXX | 1004 URAR | $XXX.XX | XX/XX/XXXX | Desk Review | $XXX.XX | $XXX.XX | $XXX.XX |  |  | $XXX.XX | No | XXX |  | $XXX.XX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | $XXX.XX | XX | $XXX.XX | XX | XX | XXX | XX | No | N/A | Manual Underwriting | $XXX.XX | X.XX% | Yes | No | XXX | XXX |  |

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